Cambridge Credit Counseling saved me. My bank wouldn't lower their interest rates on me. My payments got too high because I owed almost $10,000 and I couldn't keep up on them. When I got a letter from Cambridge asking me if I want to get rid of my credit cards debt, I called to see what they were about and they told me what they are. They asked me if I needed help and I told them to give me a day to think about it because I was in debt pretty bad. I then decided I'm gonna do it and they got all paperwork done.
My bill collectors were bugging the crap out of their payments. I told them I'm going to a debt-free company and they weren't happy about it. They want the money upfront and kept on trying to make a deal if I pay half this and keep the other half out, but I said I don't have that kind of money because I was on Social Security. Cambridge told me it will take three to six years to pay my debt off but it took only four years. I didn't know that they were good at what they do. I got out of debt and since then I do not bother with a bunch of credit cards. They bury people. I only got one and I just keep it. My mom was also happy with what Cambridge did for her. I talked her into it and she told me she was glad she did it.
Diana, we are so thrilled that you had a good experience with our company. Congratulations on your success! At the risk of sounding redundant: Way to go! Good job!
We understand that the faster you get out of debt, the better. Although, not all of our clients are able to pay in advance, we definitely encourage them if they are willing and able. It was a pleasure working with you and your husband, Timothy.
Feel free to pass along our number if any of your friends or family members find themselves in similar situations!
Original review: Oct. 2, 2016
I had lost my job and we were struggling with bills and had too much debt. I saw Cambridge Credit and it struck my interest. It was at a really good time for us. When I saw how they could take all of the crappy debt I was struggling to pay every month and be able to put it into one payment that was workable with our income, it was a no-brainer. When I called to sign up, Chris was awesome, informative and understanding. He worked well with us.
Our goal was to try and pay off a couple of months early. The staff encouraged us to make extra payments when we could. I like the fact that they were cool with me paying things off on my own, making extra payments on things. They totally listened to what I wanted to do and supported that. Anytime I ever called them to give a payoff balance or tell them I paid something, they were very polite and helpful. They said a lot of "Way to go! Good job" to us.
We ended up paying all off a month early. It's freed us up $1,000 a month and lifted a huge weight off of our shoulders. It’s made life a little more enjoyable. Working with Cambridge definitely benefited us financially. It was an eye-opening experience and made us pay more attention to savings and spending. I'm never having too many credit cards again. My husband said he doesn't want any more credit cards, too. Best thing we ever did.
Hello Jeremy, congratulations on your successful completion of our program. We are so glad that you were able to benefit from our educational counseling as well as our debt consolidation option.
Remember, staying out of debt is arguably as difficult as getting out of debt. We're confident that you have all the tools that you will need going forwards, and if you need anything, please feel free to give us a call.
If any of your friends or family are having difficultly with their debts as well, pass our number along!
Original review: Sept. 26, 2016
I did my research and Cambridge Credit seemed like the right company to deal with. Their team members were very friendly. They made periodic calls to me to check in and gave a lot of guidance up front every couple of months. My dealings with them were straightforward. The main goal in working with them was to get all of my issues taken care of and it was beneficial that they were able to reduce the rates. I liked that there was no penalty when paying off early, which I did. Also, I had three or four accounts that I worked with them on and once I paid off one, the monthly fee went down. Working with Cambridge Credit affected my lifestyle for the better and my problems are all done now.
I was very happy w/ Cambridge because of my overall dealings with the original guy I talked to and how he helped me and took care of things. Everything was aboveboard with them and they're professional, honest and very helpful. They kept me apprised of everything on monthly statements and made it easy to understand. All my interest rates were lowered and I'm trying to pay off everything else. I'm very pleased I finally did it. I've waited too long. I was overburdened in debt but now we get to travel and do some things we hadn't been able to do for a while. It was an excellent experience and I have recommended Cambridge Credit Counseling. Working w/ them has taught me that you can often contact credit card companies and they'll work with you to lower interest rates.
My debt was high. I tried contacting another institution before but because I'm old, nobody would touch me. Cambridge worked with me and told me this is what I would make, which was about half of the amount that I was paying on my bills. Every time I call, they had an answer for my questions. They were always prompt to return my call if I had a problem of any kind and they were always on everything. And they call me to see if I needed any further help.
They cut all my bills in half and, as a matter of fact, I just got done paying them all. I also got $3.45 overpaid in one of my credit cards that they paid and they sent me a check which I deposited today. I would've been completely debt-free except for my truck and one bill with Capital One. They wouldn't touch it because it was turned over to a debt collector and a lawyer took over. I'm doing great on everything and I'm very pleased that Cambridge were able to come in my life and helped me when they did. I would highly recommend them to someone else.
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I was 61 when I signed up with Cambridge Credit and I didn’t wanna be in a lot of debt if I happen to want to retire. I'm 66 now and I had very good service from them. They tell me when I close accounts, they lower my credit score. I was paying almost twice as much before and when Cambridge Credit told me what they could do for me, I said, “Of course.” They saved me a lot of money on interest on my Walmart Card and my Sam’s Card. I work at Walmart and it was easier to use the card. So, once I closed my account, I paid it all. And I got a zero balance now on all three of them. I’m happy. Cambridge Credit is an excellent company and an excellent choice that I made.
We were in debt and trying to get out. We were looking for a debt consolidation company, found Cambridge online, and they took over. The service is simple to use, and it was quick and easy to get the service started. We made the call and set up the account with the credit cards that we wanted to get out of debt. Their team told us how much the monthly payment would be. So, we put how much credit we could put on the credit card determining how much we could pay them a month. We kept one credit card out of there because we couldn't afford the monthly payment. And then, every month, we would get an email stating the status. We would still get credit card statements from the company, so we could see if improvements were really happening. I also called twice throughout to see what our balance was and they told us. It was effective and we've learned to not rely on credit cards.
I contacted Cambridge Credit Counseling to consolidate my debts and they were professional, efficient, and polite. They got the payment down to where they were easier to handle. I was on a plan to get things taken care of so it was definitely a help. They've been responsive each time I had to reach out to them. I also didn't feel any high pressure. I would recommend them to other people.
My credit card troubles were out of hand and I wasn’t able to reduce them at all so I sought Cambridge's help. When I spoke to the first fellow who answered my call, we went through all the details then he called me back and told me what he could do. They lowered my interest rates on three different credit cards and put me on an automatic schedule. I periodically paid off what was remaining on each of the three credit cards. I was very pleased with the experience. They kept me out of debt, were professional and clear in the intent. They were the service that I really needed to get out of a big hole.
I needed some help quickly. I had sought an attorney's advice and he said the bottom line is the creditors would make it miserable for me. Being broke for the rest of my life wasn't my plan so my wife and I talked about it. So we'd tighten our belt now and eventually someday we can enjoy the good life. It was not impossible to get out of that financial situation when I have a lot of discipline. So I made a phone call to Cambridge Credit.
What irritated me was I was getting calls every other day from the same creditor. And they wanted me to pay off figures which I was advised via another friend that I better make sure that when I pay something off I get a receipt because a lot of times they'll just put it on my credit report anyhow. So I knew I needed somebody to take care of this because it wasn't something I wanted to deal with. So Cambridge Credit lowered the interests that they could and made deals with all the creditors.
I had interactions with their team as to when one bill got paid off, like where would I want the rest put so that I can get the thing anted up. And it was interesting to me to watch how every couple of months that the total I owed went down. I asked a lot of questions and Cambridge Credit gave me a very clear understanding. They told me, for instance, why this was the thing to do and what might happen if I didn't do it. Their team members were very courteous. We have learned that we must live a very frugal lifestyle. We don't want to get back to where we were. Since I have gotten involved with Cambridge, my disability has gotten reversed that it's not warranting me a job which would be really lucrative. If we don't have to spend a dollar, we don't do it.
The best highlight was that they gave the encouragement to go this way. I had called someone else prior to Cambridge who never mentioned anything about what I call a hidden cost. They said they can cut down on some of the interests and make some go away, and they made it sound as though they're gonna do it for nothing. But at the end of the conversation, they then said that there's a $50 or $100 application fee. And I thought that if I had $50 or $100, I wouldn't be talking to them. On the other hand, Cambridge was forthcoming and said that they'll charge $19 a month or a creditor, which was well worth it.
Working with Cambridge was most educational and advantageous. I went to a bank to borrow some money not too long ago and I can see that by paying that little bit that we did every month with Cambridge on our credit card bills which eventually got them all paid off, it kept my credit from getting more damaged wherein it would be harder.
I was talking to a friend about this one bill I had that wasn't caused by me. He said he wouldn't pay for that and that he'd call somebody first. I looked and Cambridge was the first name I found. I called and talked to Ryan who was wonderful. He was very knowledgeable, patient with me, and fair about everything. Cambridge Credit took three of my bills and consolidated them. I paid a monthly fee until I got done. Everything went fine. Usually, I'm stressed out but I wasn't during the time I worked with them. I learned to live harder and not buy stuff I don't need. If I ever have any problems again, I'd be sure to call Cambridge Credit.
It was great working with Cambridge Credit Counseling. I had debts that I needed to consolidate because I was making so many payments here and there yet I was going nowhere, and Cambridge was always helpful every time I called. The first time that I called I talked to a person who walked me through what it’s gonna be and how long it’s gonna take. I was skeptical then because the company did it out of state. But I think they were appropriate to do it. They were wonderful. It was not just about consolidating debts. They also monitored me all the time to see how I'm doing and tried to make me feel confident that I can do it, how to manage my money, and things like that. I recommend people that I know who are having issues. I told them to go to Cambridge since they’re the best. There is a lady I know who started working with them, too.
I wanted to consolidate all my credit debt into one easy bill so I used Cambridge Credit Counseling's services for the second time. Setting everything up initially, their team had seen I have been with them once beforehand. They were very understanding about everything and worked out a really easy, really good payment plan with me. They had all the information for me and were very, very friendly, which is why I went back to them for a second time. Working with Cambridge has definitely helped me out getting my credit cards all cleaned up and taken cared of so, that way, I can be debt-free now, with credit cards at least. It's been a very enjoyable experience to make my life better, in the long run, by being able to pay off my debt.
We knew that our bills were out of control and had considered bankruptcy but we didn't want to do it. Luckily, our daughter had dealt with Cambridge and recommended that we do it, so it was easy for us to go ahead. It was very easy to deal with the staff. The person I spoke to was very knowledgeable, easy to talk to, and I didn't feel like I should be ashamed because I screwed up. It was all very good and they were all kind. They had all of my accounts completely under control and organized for me. Right now, I'm focusing on getting my small credit cards all completely paid off, and that's easy. I have better idea of what I don't want to do, which is continue to get into debt, and how to get to where I want to go.
I was having some credit card issues and working with Cambridge led me to ways on how to manage my finances. The customer service agents were very nice, helpful and courteous. It was a very pleasant experience. I am really satisfied and I've recommended Cambridge to a few of my friends.
I had three credit cards I wanted to consolidate so I went through Cambridge's Employee Assistance Program at my work. Their rep simply outlined the program and it sounded good, so I went ahead with it. They lowered the interest rates so I paid off those credit cards a lot sooner, and it saved me quite a bit of money. It is a good and honest company, and everything worked fine. Since working with them, I don't use a credit card anymore, and there was a lot of circumstances involved in that. Everything they said came about, so I was happy with it. It's been a very satisfying experience.
I've had a pleasant experience with Cambridge Credit Counseling. I got them to manage a particular credit card and I was able to pay it off. I gained more insight around the structure of the payment plan available and everything went well. My credit score went up.
I was trying to get out of debt and Cambridge Credit Counseling helped lower my interest rates. They were always pleasant and professional and explained the program well. Through Cambridge, I have learned not to overspend myself more than I make and to be careful of my spending. Now, I have less stress on worrying about getting my bills paid. Cambridge took a lot off my shoulders. It was an awesome experience.
I decided not to file for bankruptcy and just attempt to pay all my bills back. Other institutions wouldn't deal with me so I figured it'd be easier just to lump it all together into credit counseling payments. I searched online for a credit counseling agency with good reviews and found Cambridge Credit Counseling. The team at Cambridge were great. They were able to lower the interest rates for a couple of the cards. They did what they had to do and were good and friendly. Working with them was pretty simple and easy, payments were just automatically withdrawn from my banks. I learned to become a little smarter with my money and not buy consumables on credit. I'm satisfied with the experience with Cambridge Credit but I thought my credit report would take a quicker bounce back. It would have been faster if I filed for bankruptcy. Despite that, I would still recommend them to a friend.
We got in contact with Cambridge to get rid of some of our major credit card debt and the Cambridge team was always helpful and friendly. Working with Cambridge made our lifestyle better. We were able to pay off everything that we owed and bring up our credit score. We were able to buy a new house, too. We manage our money better now. It was a very good experience.
I had too many credit cards so I sought assistance from Cambridge. They were able to lower my interest rate. My biggest thing with them was just getting out of the interest so I could pay the credit cards off. Now I don't use credit cards anymore, I pay in cash. They did what I wanted and I have accomplished my goal. I've noticed my credit score hadn't gone up. I was told that it wouldn't affect my credit to use Cambridge and apparently it did.
I needed to consolidate all my credit cards and just have one payment so I connected with Cambridge Credit Counseling. Their team were all nice and did a great job and helped me a lot. They walked me through the process of what was going to happen and they were able to lower my interest rate. I have learned from them to not to get so many credit cards. I got all my bills paid and right now I don't have any credit card. Everything's good.
I owed so many credit cards money and I didn’t want to deal with it. I prefer to pay somebody to deal with them for me. Cambridge has been really professional and they took care of me. I called them, I gave them all the information and then they settled everything. Since then, my credit has gone up because I paid off all my credit cards. Now I can buy anything I want and I don't have to worry about anything.
Hi there, Earl. Thanks for sticking with us and seeing our program through to the end. We're glad that you were always able to get in touch with the right departments to get the information that you needed.We couldn't agree more with what you said:
"The key is not to worry, and treat the payments as part of one's budget and stick with the plan that Cambridge mapped out. If people stick with it, they'll see the money start to count, bills begin to go down, and get things paid off. They'll have lesser bills every month."
That's the cornerstone of our debt management services. Don't worry, and keep pressing forwards through the program, and you will surely see the end of the tunnel.
Take care, and thanks for passing along your experience to others!
Original review: Sept. 25, 2016
We started with Cambridge in 2012 and stuck with the plan and never missed a payment. It was hard at first and we resisted as we got along, but we just took it one month at a time and got through it. It was good and generating more money. We have paid everything now. Before, we had a $5,000 bill and Cambridge was still paying $35, $50 a month on our account, whereas I felt that it could have been paid out with the money that was coming in and been done with it but I know they have a system. But other than that, it went good and our credit was restored. I vowed to never get back into that situation again.
Whenever I called Cambridge, I wanted to know where I stood as far as balances because they wouldn't tell me. Yes we would get them by paying certain bills and getting our invoice on a monthly basis, but I want to know how close we were to paying something out. I always had to call them back. But it's good that I didn't have any problem with getting back in touch with anybody. They always refer me to the right department.
I will tell anybody just looking for help with their bills and getting themselves straightened out to go Cambridge. The key is not to worry, and treat the payments as part of one's budget and stick with the plan that Cambridge mapped out. If people stick with it, they'll see the money start to count, bills begin to go down, and get things paid off. They'll have lesser bills every month.
I went online to look for a decent company and found Cambridge. I called and they asked for my social then they looked up my credit report. I told them what I wanted them to do and they called me back with a plan. I've been using them for years now and it's super easy. When I first started, I thought it was gonna be really hard, but I was surprised because it's simple and painless. My payment comes out of my account every month and I can call them to change it or if I have any questions. Cambridge were able to lower the interest rates, except for one.
Due to credit issues, I contacted Cambridge Credit Counseling, and everything worked out great. There were only a few times that I needed to contact the people at Cambridge and they were always very helpful and friendly. My experience was satisfactory and they helped me meet my goals.
I was really overdrawn on my credit cards and needed help. By working with Cambridge I was able to get all payments done on time and without any problems. I've stayed away from overspending and I'm not getting anymore credit cards.
I was budget-conscious before I entered the program by Cambridge. What happened was these certain companies would not work with me to change the date of my payments to align with my payroll period. Then they would call or charge fees... It was not because I wasn't paying them. So, I entered the program and it took care of that need for me. I didn't have any real contact with Cambridge other than setting up the program and getting the information that they would send me in the mail. I set the payment on the bank draft system, so my payments were never missed. They also sent me a lot of good information about finances and planning which I found to be a good resource. Now I have successfully finished the program a couple of months ago which means that I don't owe those companies anymore.
Four years ago I was consolidating and getting rid of some old bills. I’m independent financially and I’m able to take care of my own bills and finances but when I got divorced, I brought a lot of crap with me because everything was in my name so I had to get rid of all that. That’s all I needed to do and everything went smoothly. Once Cambridge set me up, I was on my own and didn't interact with them very much but they were very helpful and knowledgeable. They were able to lower my interest rates.
My husband lost his job and we got really far in debt with all the credit cards. We maxed them all out and then we really got financially behind. Cambridge helped us out by getting our interest rates lowered. Since working with Cambridge, we each have only one credit card now so that is extra money because we're trying to get things down. We’re trying to go for a house so it has helped us in getting out of the credit cards. The only problem I had is that they charged $40 every month, and I didn’t realize that till afterwards. I thought it was a one-time fee. Other than that, we're happy with them. They helped us get out of our debt quicker.
Cambridge Credit Counseling Corp. Company Profile
- Company Name:
- Cambridge Credit Counseling Corp.
- Year Founded:
- 67 Hunt Street
- Postal Code:
- United States