Cambridge Credit Counseling Corp. Reviews

A couple of years ago, I went with Cambridge for debt consolidation. They explained everything and they were transparent. There was good communication, and the application process was easy. They seemed flexible with the payment plan too. I switched it at the very beginning because I only get paid once a month. That's a harder thing for people when you only get paid once a month. Your budget is completely different.

The rep I worked with at Cambridge answered all my questions. The program was self-explanatory, and they explain to you how it's gonna happen, what payments were gonna be made and how they were gonna make it and their fees. They would send an email statement every month of how they broke down the payments, what I owed, their fee, and the amount. All the fees every month were the same, and nothing was hidden. There was nothing for me to worry about. The payment was always the same every month. The estimated time they gave me didn't change much from that day as well. It went a bit over, but it's not like I would worry about it. It was about four years ago when we first started, and overall, it was a good experience. It went smooth for the duration of my time with Cambridge, and working with them helped a lot. I got to pay all my bills.

To have to give up four credit cards during enrollment was quite shocking to me. But overall, it was awesome and a great experience with Cambridge. I had questions regarding my accounts on the last two credit cards that got paid off and they were very helpful as far as giving me the information and a contact person to get ahold of Citibank. They also came to me with a payment that was very affordable. Four years later, here I am, debt-free. They said, originally, would be a five-year program. But as I came in to have some extra money, I threw it right on the cards.

Cambridge was non-profit and free. The people that I talked to during the enrollment process varied in personalities. There was one who was nice and another who was a jerk. So, I had to go through three of them before I finally got one that I felt comfortable talking to to work with. But once I got with that new person, everything was okay. If I had questions, I called. Cambridge answered them. They explained it so that I could understand. They sent me letters, kept me well-informed with where my debt was and how it was coming down. I referred friends of mine to them who also had a good experience.

I liked the way Cambridge handled itself. They laid the program all out and what payments I'd be making, and how long it would take to get it paid off. The program allowed me to get my credit cards paid down and off to where I don't have that debt anymore. It's taken a lot away from having to worry about credit card debt. I was able to get it paid off and the payments automatically came out of my bank account to where I didn't have to, “Okay, I got to pay this on this date.” It was very convenient.

The cost is a little high but getting all those credit cards paid off is less stress. Also, their communication throughout the process was good.

I sent out the paperwork and they handled contacting the companies. I gave them a budget that I can afford each month and they set things within that budget. Then, if I had to add anything new, it was fairly simple to call up and get everything added on.

Everything was very good with Cambridge. I was able to pay my debt like I wanted to and everything worked out perfect. I like the fact that they took out my monthly payment out of my account automatically, which made it easier to pay. Also, a counselor called me every six months and I was able to call or email them if I had questions.

The enrollment process was relatively easy. Besides having the enrollment process, we had to reenroll a little bit later when we had a card that was 0%. But every time we did it, it really wasn't difficult. The guy that we worked with initially was fantastic. The payment plan was flexible. Not only that, we ended up moving it. When our finances started improving, we increased the amount we paid every month to pay things off even sooner.

Every person that I talked with when I called there for any questions, answered and helped me. I had a pleasant experience. My understanding of the program is that they gathered all my credit card bills, itemized them, gave me a sum of what I will pay monthly, agreed upon it, and then I accepted it. It was a pleasant experience. The negotiators were very informative and to the point. I'm so used to dealing with customer service reps who are just in the job for the money and not for the customer service. But with Cambridge, they will give you customer service.