Cambridge Credit Counseling Corp. Reviews

I was deep in debt with credit cards and I didn't know how I was going to get out of it. I thought about filing for bankruptcy, but my wife talked me out of it. She said that maybe we should use credit counseling instead of filing for bankruptcy because it will mess my credit up. I'm glad I went on and made that move. I got Cambridge's number and called them up. They set it up nice and everything worked out good. They did a wonderful job and they helped me a whole lot.

I used Cambridge for Fingerhut. Cambridge sent me what was needed and they told me how much to pay. I sent the payment of $88 in on time every month. They also sent me one for $46.00 which I sent in. But now, they sent me another thing from Fingerhut where I owe $2 and some change and I don't know what that's for. But other than that, Cambridge was good to me and others should go ahead and use them.

It was a fine experience with Cambridge Credit Counseling. I've used them in the past and my wife called them and did the setup. But my wife passed away so I had to deal with Cambridge myself and everything went well. After she passed, I called Cambridge and discussed what we needed to do then we proceeded from there. I had no problem using them and I'd use them again if I needed to.

I was in a lot of debt and Cambridge Credit Counseling provided me with a consolidation and payment program. The counselor was friendly and knowledgeable. They negotiated lower rates for some of the credit cards. It was an easy enrollment process and once it started, they took out $300 a month, split it up 15 different ways and sent it to the different companies. It helped me get out of debt so it's been a big impact.

We had a wonderful experience with them. The enrollment process was quick. The counselors were very polite. The cost was worth the quality of the service. We've already completed the program and I would tell others to use them, too.

The enrollment process at Cambridge was quick. It took about two weeks. Their counselor kept me up to date up to the very last payment. When I paid one debt off, I added that amount to another one and they were very helpful and willing to do that. Overall, the quality of service at Cambridge was excellent. It's a good company. If I had to use them again, I would.

I was only able to pay the minimum for my credit cards and this is my second time going through counseling. I had called others but Cambridge stuck out. The fee for credit counseling was only $25 a month and they were very quick. I never had anybody from Cambridge disrespect me any way, shape or form. They didn't talk down to me and that was a huge thing. I gave them all the information on what I owed and they literally took care of most of everything. Then I have one credit card that I needed to add and that was no problem. I just gave them a call, gave them the information and they put it on.

I had a good experience with Cambridge Credit Counseling Corp. One reason I decided to seek help was because I was working at the Hostess Bakery and they closed. I'm trying to pay bills and at that time I had four grandbabies in college. It was more convenient for me to consolidate my bills and I was able to find out about Cambridge and they did the bill consolidation for me. I kept track of everything, what bills I paid every month and what was coming.

One of the guys on WGN Radio recommended Cambridge Credit Counseling, so I went with them. The enrollment process worked out okay and I'm glad it's over with. I also had no problems with the counselor. I would highly recommend Cambridge.

I had been disabled and fell behind on my bills. I needed my debt consolidated and got involved with Cambridge Credit Counseling because I had used them in the past. I called them and they assigned me a caseworker. I listed all of my bills that I needed them to consolidate and work with me on, and we looked at my income to debt ratio and came up with a payment plan that worked for me. There were occasions where I needed a pass from them in taking money for a month as opposed to the schedule, but they were always straight up with me as I was with them. It was an excellent business relationship and it made all the difference in the world. Now I’m debt free and living my life accordingly.

Cambridge Credit bought out my loan. I had to do a refinance and I got my interest rate lowered from 7% to 3.85%. I’m on worker’s comp and a fixed income so having that interest rate cut was a major leap. Interactions with the counselors have been fine and I haven’t had any problems with them, as well. However, one thing I was very upset with was that they charged me to make payments over the phone. Also, sometimes it took too long for somebody to answer the phone and then they transferred me around and that gets aggravating. But the process got completed last year. And working with them has lowered my payment and it’s helped me out a little bit.

My mother wants to pay the credit off, the interest was very high. My older sister recommended Cambridge. I was with her on the enrollment and she said it was easy. There was a Spanish person to serve and they were really nice and very helpful. Also, the adviser was very helpful and friendly. My mother was also very comfortable with the counselor and they didn't charge her. There was no cost for her with her income.

I was referred to Cambridge by a friend who used them previously because I was laid off and I was going to school. I used their service for consolidating all my accounts and the enrollment process was easy. The counselors were great, too. Every time I called, they would provide the service or answer the questions I had and they were very prompt to help me. They were also very friendly and took everything into consideration in referring to the concerns and trying to help me get to where I needed to get to. I finished paying off and Cambridge helped in getting my credit established again and getting it lined up. The quality of service is good for the cost and I was very satisfied with their help so I already have them out to a couple of my other friends.

I needed help when I had many credit cards to pay and a lot of them had to be paid at the same time and the total is coming to a big amount. My employers at that time recommended Cambridge Credit and my son had also participated with them and he said he was having a good experience, so I went with them. They consolidated all my credit card payments and contacted the credit card companies. They got the interest rates substantially reduced in many cases and I have to just pay them one monthly payment and be able to take care of the rest and it was very affordable.

We had too many credit card debts so I reviewed online, did my due diligence and saw that Cambridge was a viable option. I liked it when I talked to them so I went with their debt consolidation program. When I enrolled, I talked to a lady and gave her most of the information on the phone. We went from there then she sent me the contract to sign. It was very painless and in a matter of an hour with a few phone calls with her, we were rock 'n roll. The program helped me become debt-free. Now we only have our car and house payments as well as our utilities. It was a very good process and the reps were always there for support. I would definitely recommend Cambridge.

I was concerned because of credit card debt and I couldn't pay all the bills at that time so I sought Cambridge Credit's help and they were a good choice. They consolidated all the cards and got one payment. We were successful and made it through. The enrollment process was through forms they sent then I signed the forms and sent it back and you're enrolled. Afterwards, you give them all the list of the credit cards and the account numbers. I'm done with it and it helped tremendously as far as being able to pay all the credit cards without going through a big depression because you were in so much debt.

I was getting nowhere with my credit cards because of the high interest they were charging me and most of them is a bad thing to get with if you don’t really need them because it seems like you can buy things. You would’ve gotten along without it until you have the money and then it seems like once they're trying to get you and you could make a late payment, they jack that interest rate way up. You could never get your head above the water the way they do with you. Then, I went to my bank Huntington town about 10 miles from me here and I was talking to some lady that worked in there in her office. I was trying to get a loan of some kind to where I have cheaper rates and then make one payment of loan but as my credit rating was, they wouldn’t see that. Then she’d mentioned about Cambridge. She said she knows of others that had signed up with them that were really happy with it.

Cambridge was recommended as one of the companies to work with through my company. I know my company has good organizations for their employees to work with. And so, I used Cambridge for two different purposes. First, it was for debt consolidation and reduction of interest charges from credit card companies. They really helped apply balances or payments to reduce my debt and now, I’m debt-free on those credit cards. I also talked to one counselor about getting some advice on student loans to see if those could be reduced because I wanted to know what could be done with either federally insured or private loan groups. Moreover, I got very good referrals and I was able to take those loans and get them reduced and refinanced with another group. Therefore, I really value their expertise and recommendation.

We have a daughter that was diagnosed with cancer right as she was turning 13. I’m blessed to have a good job and have good insurance but the costs of the medical care combined with the costs of what I refer to as the secondary challenges of a chronic illness didn’t take long and we really were in significant debt and needed help. That’s what drove us to Cambridge.

Cambridge Credit Counseling was easy to work with. Enrollment went really smoothly with them, too. The gentleman who helped me got back to me right away via email and made me feel comfortable. He was really great. Furthermore, the charge of $15 a month was okay as they were able to decrease my interest rates. Working with Cambridge was good. I was able to focus on getting my debts paid off and saving money. So it helped really well. I've recommended them to a few people.

I was 18 and had a bunch of credit cards that I maxed out. I was looking to consolidate it into one payment and get it all taken care of, and my grandmother recommended Cambridge Credit as she had used them years ago. I told Cambridge about the debt that I had and whom it was with, and they just asked what the accounts were and how much was on it, then they pretty much took care of a lot of it. They asked what my income was at the time and then figured out the other bills that I was paying and what would be most affordable for me. It took me five years to pay it off, but it was definitely affordable, and I could call at any time to change the amount. I had to lower it one month 'cause I had a ticket to pay for and then I just bumped it back up the next month. I was really happy with how they worked with me on what I wanted to pay.

I was referred to Cambridge by my daughter because I had a lot of credit cards that I needed to consolidate. The reps said all I had to do was submit so that's what I did. They gave me one amount and I started paying. It took a little bit of time but it helped me in the long run. They were concerned and if I had a problem, I used to call and whoever answered helped me out. They got me out of my debt and I've learned more to control. Before I didn't know I was getting card after credit card. But I'm more cautious now 'cause I don't want to get into that kind of debt anymore. It has been a satisfactory experience overall.

I had a lot of growing debt and I was having a hard time paying it off. A family member referred Cambridge to me. They were very helpful, really thorough with explaining everything and how it would all work. They made the whole process easy and not stressful. However, the fees definitely hurt when you’re trying to get out of that situation and then you have the fees on top of it. And there were times that it was a little bit frustrating but they’re a business as well and they have to make some money somehow. But working with them helped me with my problems.

We sought Cambridge Credit Counseling Corp. services to lower the interest rates so we can get them paid off sooner. Because I went through my employer and their employee assistance program, we were able to pay the services at a lower price than what they normally charge. So that helped us out too. They helped us with contacting our creditors and getting a lower interest rate so we were able to pay a month sooner. It still took a few years but we were able to get them paid off on a quicker basis than if we had just continued to pay them on our own. They would call every once in a while to make sure that the creditors were following with the program. They would have me send a copy of the statements to make sure that they're still charging us the correct interest rate on the payment and the correct payment, and to make sure that they were holding their end of the deal.

I had a buddy refer me to Cambridge Credit. It was the company he was using so I went ahead with them. Enrollment was really easy. I called them and they set me up with everything. The Cambridge counselor that I worked with always returned calls and emails promptly, too. I was really comfortable working with her. They helped me with everything I ever needed.

I had a lot of debts. My son-in-law recommended Cambridge Credit so I called them and they set me up for debt consolidation. They simply sent me emails and hardly ever talked to them. They did what they said they were going to do and I participated on my end, so they got the debts paid off. They were professional and I'd recommend them.

Cambridge consolidated all my credit card debt and worked out a payment arrangement with the companies and helped get it taken care of. We did an automatic draft every month and they took care of it. I went online and looked at what’s been paid. If I needed information, I call them up and they give me whatever information I needed. I was comfortable working with them and they helped me pay off my debt. At this point, we’re done. My experience with them was good overall.

I had a ton of credit card debt. It was $18,000 left and I was going through a divorce at that time. I needed to consolidate and so I did some research and found about Cambridge Credit Counseling. They seemed more credible and legitimate than the other places. I spent about 40 minutes on the phone with a credit counselor. She talked me through the program, asked me questions such as my spending habit and how I got the debt in the first places. I liked her and I trusted her. Once you get past her, she enrolls you. She does everything, tells you what's up, and then you become a customer. When you have questions, you just call a certain number. Every single time I've called, every counselor was awesome. They were knowledgeable about the program. It was probably four years ago now and I just finished some of that.

I was overwhelmed with too many debts. I had so many bills I had to pay and I couldn't keep track of it all. Then Cambridge was recommended to me through my job at Kaiser. Somebody from Cambridge went in and negotiated the interest rate down to zero and they would collect a lump sum and pay my bills for me. They just did an automatic withdraw every month and then I would get electronic statements showing what they paid and where the money went. The counselor got it set-up and every month they would send me emails and occasionally call to check how we're doing. Towards the end, she wanted to see if there were any other credits I wanted to enroll. She's very helpful. They understood where I was coming from, the stress that I had and how much it alleviated by them taking on taking care of and paying those bills for me.

I was in too much debt. Even though I was making payments every month, the payments weren't really going down because the interest rate was too high. Somebody had recommended Cambridge to me. During the enrollment I had to send them my account number and they did the rest. I don't remember it being anything too lengthy. I got them for consolidation. They talk to some of the credit cards and they agree to lower the interest rate. Then Cambridge just gave me a number of how much it would be a month.

I needed to consolidate my credit cards and they were becoming a little overwhelming. My credit cards gave me the number to Cambridge Credit Counseling. They took all my credit card information and did a budget. They called the creditors, worked out a monthly payment with each of them, deducted the money from my account and sent me a statement every month. I already finished the credit card consolidation program so it definitely worked out for me 100%. It has brought my credit rating score to over 700. It was a very simple process and the best experience I ever had.

I had a debt I wanted to get rid of and my friend who used Cambridge before recommended them so I went with them. They’re formal, nice and professional. They were also organized, easy to work with and worth the time. I have no complaint. The counselors were there if I needed help. They would reach out and ask questions and offer their assistance if I need it.

I had some credit cards, and I knew with the interest rate on them, I could never get paid down in time. Cambridge is the first thing I heard about from another person that has been using them. The guy that handled my account was on it as soon as I got him all of my information. It didn't take very long. My counselor was always awesome. Then I got updated emails for my e-statement and a newsletter. The only time I ever called them was to get my balance. I was still getting my e-statements from the credit card company so I was using those as balances. Whenever I wanted to pay them all, I called Cambridge and said that I had to pay off, and they got me the correct balances.

We were eyeballs deep in debt and were looking for a credit counseling program that was in our area. We are in Southern New Hampshire and Cambridge isn't too far away. I had done a couple of Google searches, they popped up and they seem close. I've read some of the online write ups on them and they look really good so we went with them. It was so great was that from start to finish, we always felt very safe. Their counselor was very good, friendly and thorough. He helped us to get over any of our anxieties over what we are getting into and did a fantastic job. That's what stood out the best for us. We felt like we were talking to people, not just to a company. It was a beautiful experience overall and now the best thing is to be debt free.

Everything was good with my Cambridge experience. The counselor was good as was the cost in relation to the quality of service I received. They closed two accounts and I was paying monthly on both. Then everything was paid off. It really worked out for me and I would recommend it.

Cambridge was fantastic from the first time we talked to them. We had a high amount of credit card debt and they were able to work with a number of the lenders to reduce the interest rate and get us a plan where we could get everything under control and pay off. They told us from the beginning what to expect and what the timeframe was in which we would have things paid off and they were true to their words. Since that time that we had $48,000 in credit card debt, it was paid off. Paying off that debt has changed us off of the credit card although there is still one card that we still have. Our focus now is to pay that as quickly as possible with that lower interest rate. We do not want to make those mistakes again. We'll be buying everything with cash as much as we can. If you do the credit, live within your means.

I was with Cambridge for many, many years. There was a moment that I stepped away and then returned back to add on something. I never was one to have a lot of debt and my debt was only a couple of thousand dollars but due to financial hardship, Cambridge was something that met within my means where I was able to budget accordingly and had really good time management-wise. Cambridge had done all the depositions out. It ends up being a really good experience that I actually referred other people to the company.

I had some high-interest rate credit cards, so I looked at consolidating and paying off. An ad for Cambridge popped up on my computer one day so I read it and then I did a little bit more research into them. I called them and told them my situation and they were super nice. The enrollment was really simple. I did an application, submitted it online and they set everything up. I gave them a list of the credit cards that I had and what the balance was. They told me what they could do and asked me if it was doable for me and if I could afford it. Then, they called the credit card companies and negotiated to where I had zero interest. Everything that I paid to those credit cards every month went straight to the principal. When one got paid off, they took that payment and just applied it to the next one. It was great.

I saw Cambridge somewhere and said, "I'm gonna try this." Working with them has been very good and the cost in relation to the quality of the service that I got was excellent. The enrollment process was easy and my counselor was good and very professional. Everything went real nice with Cambridge.

I wanted to consolidate my debt and pay it down and be done with it, and that’s exactly what Cambridge does for a very practical way and a very reasonable cost. I had no problem paying them their small fee because of the service that they provided. I certainly didn’t want to default on the debts and I really didn’t want to get into the position where lawyers would be involved. As I asked questions, their reps were very informative and explained that they negotiate with the credit card companies for a reduced rate, and that obviously knocks away the interest and so I can pay down the principal much faster. They were great.

Many thanks, Tim **, for you and your company taking me on as a client. I had done my own due diligence re you folks, and you are most well thought of in Georgia and the country. BBB gives Cambridge an A+ rating. I went on instinct, too, and your voice is kind and your answers were correct, direct, and I was impressed.

I had a credit card debt and somebody referred me to Cambridge. Everything was great. Working with the credit counselor was easy, they walked me through and talked about what all I had and what I needed to do. Cambridge made it easier to not have to worry about my debt and relative to the quality of their services, the cost was good.

I was trying to pay the bills but the interest rate was so high so I sought Cambridge's debt consolidation services. They told me about how much I would have to pay a month to get my bills paid and how long it would take. I filled out some paperwork and after I set it up, I could call them anytime I wanted to and ask them questions about how much longer I have to work with them. Now, I've been in it for about two years and I added more money out of pocket to help pay it all sooner. Their reps were very nice and we worked well together. They also kept me up to date every month. They would send me how much money was being paid on the bills. Cambridge helped a whole lot and I felt comfortable with them.

I had a lot of debt and secured credit. I wanted to do something about it, so I decided to contact Cambridge. Their team was very friendly and helpful. They were also very knowledgeable and answered questions quickly if I needed something. Working with them has gotten me out of debt with credit companies. Other than that, I learned a lesson about credit cards. Cambridge is a godsend. I had a life-changing experience with them and I'll never be in that situation again. If I know someone that is, I would definitely recommend them. With Cambridge, you don't have to stress or worry about your debt.

Cambridge was one of the two companies that I looked into and we just went with them. It was something that I needed to have done as soon as possible. I was in a hurry and needed something to try to help me manage my debt. We had a lot of credit cards at that time we took out trying to compensate for a lot of things. So a lot of the credit cards started out with not a large amount. Then I got behind them and they wouldn’t increase it and then it caused us to get another.

Cambridge explained everything nicely and they did a great job the whole time I was with them. I started the program five years ago and I just finished it about three months ago. The counselor did everything he's supposed to do and contacted me appropriately. Everything went smoothly. They asked me what I could afford and I told them, and that's what they worked out. They provided consolidation and they lowered my interest rates. Then I wanted to request how much more I owed, and the customer support got right on it and contacted the company that I owed and got it all squared away immediately. They were very helpful. I had peace of mind getting all my bills paid off automatically and debited from my account. I knew that every month, so much is coming out of my account to pay off all my bills, and it worked out fine. It's excellent and it's the best that I could imagine. I really enjoyed working with them.

I appreciate Cambridge's service. They check with us early, sent us regular communications, asked if we were satisfied, and if we wanted to make any changes or modify our program in any way. I appreciated that they stayed in contact with us during the whole process. And the process is pretty simple. Once we got the program set up, we just followed the original plan and it's completed. It's something that more people gotta take advantage of.

Cambridge was the company on my credit card bill and so I went with them. Their representatives were good and friendly people. They were able to help me lower interest rates and get things started paying off.

I was told to go to Cambridge and the guy that I talked to was really nice. I'm old and was interested in getting my bills paid off and being able to live on what I had. Cambridge accomplished that for me and I just got myself paid off. They were very good and I have some extra money now that I didn't have before. After they did this for me, I used them for a reverse mortgage.

I had let things get out of hand and needed to consolidate. I wasn't getting anywhere. I talked to a couple of people at Cambridge and they seemed like the most personable. The main reason why I went with Cambridge Credit was because the rep was very detail oriented and thorough, which made me comfortable. He went through the whole process, explained what, how and how long it was going to happen. He gave me options and didn't dictate anything. Customer support has been wonderful, and the loan consolidation program allowed me to get control of our finances to the point that we were able to pay it off early. They also helped us save our credit and when we retire, it's important. They allowed that to happen for us and it gave me a real sense of security because the rep talked long term. I completed the program already and I would highly recommend them to anybody who is in the situation that I was in.

My daughter is a private equity person. She looked into Cambridge Credit Counseling and thought that it would be best. They helped me out in a really tough time. Their team was very good. They were very considerate and knowledgeable. We got back on our feet and we were able to pay it off early.

I heard nothing but good things about Cambridge Credit Counseling on the radio. I was getting too far on debt on credit cards so I sought for their services. Enrolling was easy and I was happy with everybody I spoke to. They were all polite and willing to help me. My payments automatically came out of my bank account once a month. The program improved my life by getting me out of debt, and by getting a little more money from disability and not having to spend it all on credit cards and then turn around and run them back up. I'm able to afford my meds now, too. I would highly recommend them. I was able to get myself back together and they worked everything out for me.

I had too much credit card debt so I decided to contact Cambridge. I called and told them about the credit cards and how much I owed. Then, they figured out how much my payments would be. They were able to lower my interest rate. I finished the program this March and the payments they set up worked for me. Working with Cambridge was a good experience and it helped me a lot. Since then, I have learned to stay away from credit cards. Now, I have a little extra money.

I saw Cambridge on the TV and liked it. Their representatives were very friendly. Since working with them, I've been doing better with the account that I had. It's very nice of them to help me out and I really appreciate it.

I'm from the Boston area and Cambridge helped me with debt consolidation. Enrolling with them was very easy and now I'm debt free.

I was getting ready to retire but my bills were getting overwhelming and I couldn’t do it anymore. I was looking on the internet and found Cambridge. Anytime I called, they were very helpful. I got email statements every month and afterwards, I never had an issue with anything. If I had a question about something even the ones I thought were stupid, I called and they walked me through whatever I had to do or explained what was going on. Working with them, my life has been better. It’s been easy going and when the bills come in the mail, it’s not stressful.

Cambridge was dealing with five creditors for me. They looked at what I was paying to those creditors per month and had me negotiate to lower the interest rates and then figured in what I have to pay them. There was only one creditor who would not lower their interest rate. I got my break on lowering the interest rates so I paid them off quickly.

My employer cut my hours, therefore, cutting my income and I started to struggle. I don’t get that much per month for social security and by the time my rent, utilities and insurance coverage are paid, I have very little left. Somebody in the church had mentioned to me Cambridge. I called them and it was awesome. I asked myself why I didn't do it months ago. They helped me pay off debts and consolidated everything into one payment. They were so nice, courteous and very helpful. As I got things paid off, they lowered my payments and every time I get something paid off, they wrote to me saying that it was paid off. Whenever I called to find out about my balances, they looked it up almost instantly and while I’m talking to them, they’re one step ahead of me. Everything was paid off in two-and-a-half years.

I had some questions about some stuff that I was doing before and what the interest rate was. I decided that I needed to do something. I had called Cambridge before and they called me back to check and see if I was interested in their services or not and so I chose to work with them. The people on Cambridge's team were really nice. I told them how much my debt was and what the interest rate was over the phone. Then, they asked me to email the information to them. After that, they sent me the contract and told me how many payments there were and what they were for. I signed it and sent it back to them.

I had three cards that I wanted to be consolidated. Contacting Cambridge's team was very easy. I didn't have to wait for them. If they couldn't answer a question, they would give somebody who could. They helped me whenever issues are needed to be resolved. Cambridge also lowered my interest rates and helped me take care of my credit cards.

We had some debt that we were trying to get taken care of to make our credit better. I looked up Cambridge's website and decided to go with them. Their team was always professional and helpful. They took a year and a half to get everything taken care of though we've added things on in between. Since working with Cambridge, I've learned to make payments the best I can so I can keep things from going into my credit. They've helped make my life a lot better and I recommend them.

Had no problems with Cambridge when worked through things and paid off my two credit cards five years ago. After the initial setup, I just send them my checks. I would recommend Cambridge Credit Counseling.

I used Cambridge Credit Counseling many years ago and this is my second go around using them. I had too many bills going on at one time that I couldn't keep up, then I reached out to them to consolidate my bills. They're always helpful each time I call. I paid off my bills sooner than I expected and learned that I don't need 50,000 credit cards, especially not the store ones where the interest rate is always top. Now, I feel like I don't even need them.

A co-worker of mine recommended Cambridge and said that they were good. Since working with Cambridge, I can manage the credit cards that I have better. I'm on a better path and got some debt paid off. Overall, my experience with Cambridge was very straightforward and if I know anybody that needed some help, I would recommend them.

I decided to contact Cambridge to get the assistance. Their team was friendly, very helpful, and knowledgeable. The program went smoothly after it was all set up, so I have no complaints. I’m done with the program and Cambridge had all my debt cleared off.

I went online and learned about Cambridge. I wanted to pay off credit cards so I contacted them. I'm finished with their program now and my sisters are doing the same.

I needed to do something about my situation and Cambridge Credit Counseling helped us do it. They were very friendly and nice about doing it and keeping up with everything that's going on with us. What they charged me was really nothing for what they did. They took their time and made sure I got all the paperwork in. Then they called if I needed anything. If they needed anything else, they’d let me know and gave me a timely manner to get it back to them. It was wonderful to me because there was no stress. I’d tell them what I wanted to be done and they’d go from there. Working with them has been wonderful and I appreciate them. Before or about the end of this year, I'm going to ask for their services again especially with regards to my credit report and I know they’d help me consolidate whatever that's in there that needed to be fixed.

My girlfriend initially got on Cambridge Credit Counseling and then I followed her. They were able to lower my interest rate, and at the conclusion of the program I felt much better. I have more flexibility now. It was great for me but I don’t want to be put on that road again. I would recommend Cambridge and I would tell people to stick with the program. It’s gonna be tough in the beginning, but stick with it and they will see success at the very end. But they may start seeing it while they're in the program because I did.

I got Cambridge to consolidate my credit cards and working with them has been pretty good. They were able to lower my interest rate.

I reached out to Cambridge Credit to alleviate my debt and I only got positive things to say about my experience.

I came to know about Cambridge Credit Counseling through my dad. I recognized that I have some financial issues when I reached out to them so it was recommended once I called a hotline to find out about the service and they suggested that I give them a call and see if they'd work with me. I had a pretty good experience with the Cambridge reps. I was not sure about everything but they guided me in the right direction. They were able to consolidate and lower interest rates. Working with Cambridge made me recognize to not ever get in so much debt again and to manage my money more effectively. I have recommended them to a lot of people.

I had read some reviews and Cambridge seemed to be credible so I gave it a shot. I wanted an overall reduction of some of my stuff and reduction of payments and they were able to do that. Their team was very helpful. Now I'm a little more thoughtful in planning and strategic thinking.

We were in a tremendous debt and I was out of work so I reached out to Cambridge. They were professional, helpful and they were able to lower my interest rate. I've had sessions with them earlier on fiscal responsibility and things of that nature so it helped me learn about those. It's been a positive experience.

I heard about Cambridge from my sister and my lifestyle has been better since I worked with them. Everything went well and it was a fine experience.

I have four credit cards and wanted to combine and only do one payment. Cambridge rep took information and then came up with a payment of $348 on the 15th of the month. All in all, it was a great experience and it really helped me and I've recommended Cambridge to a cousin in Rhode Island.

We went to an institution that let us know about Cambridge, and they're the ones who hooked us up with them. We had a lot of credit card debt and we just wanted to get back on track, so we went to them and they did great. The rep was very professional and helpful. He got us hooked up in all the right ways that we needed to. Then we just made our payment and they sent us our e-mail statements. It's pretty easy. I'm a lot smarter about how we do our money now, and we keep our credit cards down to a minimum. I'd recommended Cambridge.

I was with Cambridge for three years and I was able to clean up a lot of debt. Now I have a decent credit score and less debt which is what I anticipated when I signed up.

I reached out to Cambridge to get out of debt. They were able to lower my interest rate and when I called, it was a pretty pleasant experience.

I started with Cambridge Credit Counseling 5 years ago and their reps are very good. I had a $10,000 debt and it was a wonderful day when I got that all paid off. I was pleased with the experience.

Years ago, I had gone with other companies to try consolidation but I didn't have a good experience. Then, I'd been talking to my friend and she had recommended Cambridge. She had used the system and was happy with it. I paid my monthly fee and Cambridge didn't hound me. In fact, I just paid my debt off in February. Cambridge was very well to work with and I had a good experience with them.

I was looking on the internet, saw Cambridge Credit Counseling, and I called them and they took care of me. I needed to consolidate some debt and they helped me. I spent some three years and I paid it out so I'm through with it. The rep I worked with was always very nice and we got along real well. Whenever I needed them, I could talk to them. Working with them had helped me a whole bunch. I got all my bills paid. I would recommend Cambridge to a friend.

I had a friend who knew about Cambridge Credit Counseling and I reached out to them since I needed help in consolidating and lowering interest rates on my debt. They were able to do that and their team was very professional, kind, and compassionate. They have tremendously affected my lifestyle while I was working with them by lowering rates and giving me one bill. I had another bill and I needed to go back to them. They were very kind about that and did a great job. They helped me out of a bind.

I was with Cambridge years ago and I finally finished paying off all my payments. It was definitely an excellent experience and made a difference in my lifestyle for the better. I would highly recommend them.

I came across Cambridge when I was looking online for a credit consolidation company. I've been with them for a couple years and the service is always good. I've never had issues with them.

I went with Cambridge to consolidate all the credit cards that we had and my interactions with their team were perfectly fine. They answered any questions I had and it was really good. Everything went smooth and it definitely helped us out. My life has definitely become better and working with them has definitely changed things all around for us. I have recommended Cambridge to people already.

I called Cambridge, asked some questions and I liked what they had to say. I learned a lot of insights from them and I was able to get my credit rating way back up. I appreciate all the help they gave me and I thank them.

I was overly in debt and having a hard time dealing with it and that led me to connect with Cambridge Credit Counseling. The people were helpful and friendly. They were easy to work with and non-judgmental in the situation. They were able to negotiate the interest rates to a point where I was able to get a manageable plan for paying things down.

I had a bunch of bills I was having trouble paying and I got to know about Cambridge Credit Counseling through my company. I had an initial meeting with them around five or six years ago and set everything up. Since working with Cambridge, I learned not to spend what I don't make. They helped me out when I needed it and I appreciate that. They're the only one that I've read about or know anything about so therefore they'd be the only one I trust at this point and who I'll be recommending to a friend.

We had a lot of credit cards and things that we had to use for medical bills. We heard about these credit counseling things and then a person from John Hagee Ministries was recommending Cambridge, so we called them and they explained how it worked. And they basically did away with most of the interests. They were very friendly and anytime I called them, they always answered my questions and helped me out. We stuck with Cambridge because we committed ourselves to it and it was a big relief when we’re finished. We were very happy with what they’ve done for us and hopefully, we will not be using the credit cards like we did before.

I wanted some help and Cambridge helped me with my credit rate. Most of their staff were friendly. There was a little mix-up on the last part of the deal, though, but that was straightened out. All in all, I appreciate what they have done. They got me on the right feet again and I'm very careful now about what I do in the future about credit. I pay on time and I like to have a good relationship with whoever I deal with as reference to business. I'll tell others about Cambridge.

I wanted to get out of my credit card debt and last month, I finally paid it all off. Now I try not to get too much in debt too quick and I've cut back on expenses. Cambridge was able to lower the interest rate and I had automatic deductions out of my pay from the bank which made it a lot simpler. Also, I retired from the State and got a bonus so that helped me paid the debt off earlier. The people at Cambridge were great to work with. Whenever I need to talk them, there is somebody there to talk to.

I asked Cambridge about them working with military and veterans and they did do that and they gave a special discount for it. Their staff was very friendly and knowledgeable. They always answered my questions fully. I was also impressed that they made it very clear what I was gonna need to do, what it was gonna cost and what was gonna be expected. I knew certain amount of money was gonna be deducted to my checking account. And they did a very good job in keeping me informed of when certain companies were paid off. I couldn't say enough good things about them. Also, my wife and I have been able to establish a savings account and an emergency fund. And we're much more diligent about our finances and staying within our budget. It just worked out very well.

Cambridge have really helped me out two times already. I'm on retirement so it has really put a squeeze on me trying to pay this bill and pay other things which left me bounced with all and nothing to do. But Cambridge have really, from the bottom of my heart, helped me with this situation. They took care of my bill and it's paid off. They also told me to look for a refund from them and it's not much but it's better than nothing. And the staff answered all my questions and were very good to me. I am very pleased with Cambridge. I'm hoping I don't have to bother them again but if I do, I definitely will call them again. I was very satisfied and I will recommend anybody to them.

I wanted my bills paid off and get caught up so I went to Cambridge. Everything went well and they're very friendly. Then, everything got paid off and now, I got money again. I've learned not to spend more than what I'm making.

Cambridge helped us a great deal. We started out paying a lot of money every month and it kinda got hard at times, but they were good to work with me. They were able to lower the interest rate and give light fees. Then this past month, we made our last payment. All of our credit cards got paid off.

I’m extremely pleased with Cambridge Credit Counseling. I was able to do what I needed and they were able to work with what I was able to budget. They gave me monthly reports and I was able to follow through and see what was going on. Cambridge took care of everything. I have recommended them to a friend.

I’m overly satisfied with the progress I’ve made with Cambridge. I’ve enrolled with them before and they were able to lower my interest rate both times. Working with Cambridge taught me about credit cards and how to maintain them if I do have them again. In the three times that I called, the team was friendly and easy to work with. They answered all my questions. Keep up the good work, Cambridge.

My experience with Cambridge has been great. I got out of the debt I was in but now I'm starting to accumulate it back up again. Nevertheless, I had no problem with them and would definitely recommend them to somebody else.

I kept paying my bill and it wasn't reducing because of the high-interest rate. I needed to stop the high interest, so I connected with Cambridge Credit Counseling. Initially, the team at Cambridge explained the program to me and they assigned me a counselor. They were doing follow-ups every three months, and sometimes I would participate, but sometimes I wouldn't. I couldn't use the card, but it was fine. They were able to lower my interest rates. In fact, it seemed like I was never going to pay the card off if I had not solicited their help. My experience with them was great, and I would definitely recommend them.

I had high credit card debt. We wanted to get it closed or in line because of retirement, so I decided to connect with Cambridge Credit Counseling. I used them for three years and they were able to lower my interest rate. There were only a few times that I had to talk with their team but they were always helpful. In fact, I drew a pension early and I paid the account off early. Dealing with Cambridge improved my lifestyle greatly, and it was very effective in helping me with the needs that I had. They had very professional people to talk to and they kept me informed.

When I was in college, a credit company gave me $10,000 which they never should have done. I was irresponsible and I spent it, plus some in terms of other credit cards that I may have picked up along the way. I learned about Cambridge when my friend made mention that she was using a company that wasn't going to impact her credit rating and that I should consider it. I was close to $16,000 in debt prior to signing on board with Cambridge and now I'm free, so it's wonderful.

Cambridge did a great job. My credit card debt was getting pretty high. And if I'll just pay the minimum every month on each of the cards then I'll wind up just breaking even and not getting anywhere. There are all sorts of programs out there where they say they've been paid back a small part of what people owe. But all those things really go bad against people's credit. So, we didn't wanna do that. But it was nice that Cambridge could consolidate it together and negotiate for better interest rates 'cause that helped a lot. For example, Sears was an ungodly amount 26% and they got it down to 7%. So it was really phenomenal.

Very helpful and good experience with Cambridge Credit Counseling. I have decided to work with them because I lost my fulltime job. I lost income and I just couldn't afford all the bills anymore. Their team members were helpful and nice. They were knowledgeable and explained everything to me thoroughly. Cambridge Credit Counseling have made positive changes to me. I know better than to overspend. I know how to budget and I look for more affordable ways to do things. If they hadn't made such an effort to work with me and continue working with me, I never would have been able to get through this. I recommend them to my friends.

I lost a business that I was running and came into an enormous amount of debt, and Cambridge was able to lower my interest rates 100%. I dealt with someone named Chris from start to finish and he was awesome. They helped me out the entire way. They send newsletters and they constantly are calling to check to see how my credit and finances are doing. They give plans and tips to keep me completely going and steadfast in the program. They did exactly what I needed them to do and they did exactly how they said they were gonna do it which is the most important thing. They were an amazing company and I actually have my mom use them now.

I had four credit cards that I couldn’t afford to keep paying on my own, so Cambridge consolidated them and made them easier to pay off. In the beginning, I spoke to a gentleman who went through the whole thing with me on how to do it. They contact the creditors and they set up the plan with them to lower the interest and to do the plan. Then they just deduct it out of my bank every month. It's an extra $300 a month that I'm not paying out now, so that helps. It also helped having a little extra money on my pocket because they teach people how to save a little more and how to not use other cards while we're using them. It was five years and I just paid it all, and at the end they sent me a certificate of completion.

My husband had really bad credit when we got married so we took out all the credit cards in my name. Then he started building his credit up so he was allowed to get credit cards in his name. My credit is better than his and we wanted to build his so we closed out my credit cards with Cambridge. Working with them helped us get caught up on a bunch of other bills and build up a little bit of savings.

I have worked with Cambridge Credit Counseling to get rid of my debt. Very good company, they were able to lower my interest rates. I had positive interaction with their team members. They have the Good Payer Program from which I gained insights on how to manage your money and how to reduce your debt. Working with them affected my lifestyle positively. I recommend them to my friends.

The team at Cambridge helped me out a lot. I tried to file for bankruptcy, but I didn't have to since they took care of everything. I did have a very expensive car payment but we worked at it to get it paid once a month. Everything worked out good.

Everything went well with Cambridge. Their customer service reps were great. I would recommend them.

A friend told me about Cambridge and I've been using them for three years. My interactions with the reps are always good and it's a pretty easy process dealing with them. I was able to pay everything off.

I just needed one payment for all 15 credit cards I had, I was behind on the payments and I couldn't keep up on them so I'd reached out and Cambridge was able to lower the interest rates. Our credit was locked up for quite a while but we were able to do it. To be able to pay off the large amount of debt that I owed, and lowering the interest rate were just a plus.

I signed up with Cambridge Credit Counseling for my daughter to get her bill down. I was very hesitant then but they talked me into doing it, explaining everything. Their team members were all very helpful. There's a way to get rid of the bill, and somebody's out there to help. Working with Cambridge helped my daughter immensely and she got rid of the bill. It was a good experience.

My wife and I both retired and had income. But when she passed away, my income took a hit of about 45% and unfortunately, I still had bills. I had two options. One was to declare bankruptcy which I wasn't too excited about doing and the other was to seek out credit counseling and I decided to go with that. I did a comparison of the various credit counseling services and read reviews from some of the customers of each of the services and Cambridge was the best choice.

Cambridge Credit Counseling helped us get out of debt from underneath our credit cards. We went straight to Cambridge for assistance and they were able to lower the interest rate. The team was really helpful and friendly. Since working with Cambridge, we learned how to spend money more wisely and not to spend money that we don't have.

I got a little too overboard and wanted to get out of debt. I connected with Cambridge and it was wonderful. I gained a lot of things since I started working with them. They helped me out and they're good people to deal with. I needed to tell somebody from Cambridge though that I had paid through the store 'cause I had the money right then but they had drafted $94 out of my account. They wrote to tell me that they owed me some money and they're going to send it to me but I haven't received it yet.

I got laid off and it was a sudden thing and then I found myself with enormous debt. I was looking for a vehicle to help me manage and overcome that debt process. I heard a radio announcement about Cambridge then I called the 800-number. I did the initial intake and they worked out a program with me based on the information that I provided. There were no problems throughout the process. I feel so much better that the process is over. What that program did was it stopped creditors from contacting me directly. And they were paid promptly because they did an automatic debit out of my checking account. So, everything went well and I was pleased with it.

It's been a good experience with Cambridge Credit. They're very friendly and always helpful. I'm done paying my debt so now I'm saving money.

I connected with Cambridge Credit Counseling to consolidate my debts.They were all very nice and were able to lower my interest rate. It made things easier. I learned to pay more attention since working with them.

I was looking for a company called Consumer Credit Consolidation as I needed help in consolidating my credit and getting my interest rates down. When I found the phone number, it directed me to Cambridge. The lady who I worked with during the initial setup was really helpful. Then I get an e-mail every month regarding what I paid. It was good to get the e-mails to make sure that I will pay for the credit cards. Cambridge is a good company. I have no complaints.

I was having a lot of financial difficulties and then I found out I was pregnant. I knew that it wasn't going to get any better and I couldn't keep juggling it on my own and I needed some source of help. They lowered my interest rate and even got my balances dropped on some things. Cambridge took the load off my shoulders and it was paid much before I thought it would be. The lady that worked with me was so informative. She was extremely helpful and patient and explained things to me. If ever I hear anybody in need I would definitely recommend Cambridge.

I decided to work with Cambridge to lower the interest rate. My daughter also did Cambridge Credit and I learned about them from her. I’m paying service fee but that’s fine because I’ve saved a lot because of them. Everyone's helpful and knowledgeable. They explained everything to me like when one credit card is paid off, the amount that should be charged there was transferred to another account. The only drawback is that it was not explained to me that if I put my card in Cambridge, then it’s cancelled. So when I applied for Macy's, I was not approved because it was included in Cambridge. I should not have included my Macy's card. I always use it and just had a little balance from it.

We've finished a four-year deal with Cambridge. When we first started, we talked to somebody and gave our information and everything that was going on, and they helped us through the process. It went very smoothly. We’re not completely out of debt but much more so than what we were. Now we’re thinking, instead of buying a new car, we’re just going to put it towards mortgage or something else. We’re already used to it and that way we can be completely debt-free. It was a real easy way and a good program to get into for sure. It has helped us to get out of debt.

My experience with Cambridge has been excellent. They were friendly, professional and knowledgeable. They were able to lower my interest rate and helped me get some of the bills paid. That’s what they’re there for.

Cambridge Credit Counseling was great. I was drowning with my debts and they helped me out, I was just so distraught then. They got my bills under control and they handled all the stores that I had credit with. I pay them a certain amount, and they pay them off. It was really good. They were able to lower my interest rate and I got my congratulatory letter stating that I had satisfied all of my accounts. I was really relieved. Every time I call their team, they have the information for me and they solved my problems. They helped me out in no time. I just felt really comfortable with them. I hope that anybody else using Cambridge know that they're in good hands.

I contacted Cambridge Credit Counseling to clear up some old debt and we just got it paid off. Working with them helped me get out of debt and I've gained more financial independence. I would recommend them.

I ran into a problem with one of my credit cards, and Cambridge Credit negotiated a better interest rate for me. It took me a long time to pay it off, but I did it. Their team was knowledgeable, and they send information through email, monthly. They did a nice job, and their fees aren't really high, either.

Cambridge did wonderful. It was simple and easy with them. They worked everything out, then told me it would be this amount of money each month and we would be paid off in three years, which we are. I even got a friend of mine to also go with them. Cambridge did everything they said they were going to do.

I called Cambridge Credit a few times, and they were very helpful. They wrote up a program for a couple of years, and I ended up being able to pay everything. It really helped me get things under control. I have a very smooth experience with them, so far.

I got in touch with Cambridge Credit because I figured they could do a better job than me. Their team was fantastic. They were able to lower my interest rate, and they help me not to spend so much. They were very good to work with, I never had a problem. I was very pleased with them and I would recommend them to anybody I know.

Cambridge Credit did a great job. I've never had any problems with them. When I needed to get a hold of somebody, I was able to, and they helped me. They had a really good program that worked well for me.

Cambridge Credit helped me out a lot. It was my first time, and it actually worked out well for me. I was able to pay off the credit card in full, which is what we want to be doing with credits. I couldn't make multiple payments on major fees from other credit cards, and cutting down that one payment was what worked for me. It was little steps I made that took little chunks and eventually paid off. The finance charges were huge, but they cut it down from 90% to 7% on one card, then another one from 23% down to 4%. I really appreciated everything they did for me. I'd recommend Cambridge Credit to anybody.

I've been with Cambridge Credit for a couple of years. When I got real sick, they helped me out. They kept me updated on everything and did a real good job. I'm straight and back out now and everything. I paid off what I owed, and it was a very good experience.

My wife and I are in a lot of credit card debt. She tried to work with the credit card companies herself to have them reduce the interest rate but wasn't successful. So at that point, we needed to do something else. We decided to use Cambridge and their team has been very helpful. Aside from learning not to get in that kind of situation again, we also knew about managing money a little better. Cambridge has improved our lifestyle and we would recommend them to anybody else who was in our situation.

A friend told me about Cambridge Credit a couple of years back, and my experience with them worked out really well. I went back and forth with them on the phone until we got something squared away. I have already recommended them and still would.

I signed up with Cambridge Credit a couple of years ago. They consolidated four of my cards, lowered the interest rate on all of them, put me on a plan, and then I got a monthly update from them over the course of a couple of years. One by one, the cards got paid off, and I just finished paying off the last one. They sent me a certificate of completion and a record of all of the payments made and when they were made. It was very thorough. Their team was quick, helpful, and professional. Everything was great. I was in need of a service like that. They walked me through the process, got me out of debt, and I'm at a much better place now. It was all a very good experience.

Cambridge Credit was very slow to respond once I started the program. They got my money every month, but there were no regular check-ins. When they explained the program to me initially, they said that they would have someone checking in on me, and re-evaluate my budget at any point they want to. They promised a lot of things initially, but didn't happen. Granted, I did finish the program and paid off the old debt, but I feel like there wasn't much interaction. I was essentially paying them just to make the payment, but there was no added value there. In hindsight, I probably could have arranged those similar payments on my own with the company. So in addition to not really understanding what the scope of the program was and also not seeing the added value for what I was paying monthly, I feel it probably wouldn't be something that I would ever invest in again.

I was in a pretty deep hole. I had a number of institutions I was behind on and I was in that unfortunate position I made. On paper, it looked like I made enough money and I didn’t think anybody would have negotiated with me on an individual basis. I went with Cambridge 'cause I was drowning financially. I was in way over my head and I easily could have gone bankrupt. Cambridge was able to get the interest rate down to a range where I could handle the payments. I gave their people all the information I had and they estimated what they thought they could get the rates down to which would translate to a payment and what the payment plan would be. It was an aggressive plan and it was pretty tough to stay with, but we did. They would also send emails every month and would touch base every now and then.

I talked quite a bit with the rep from Cambridge Credit that was in charge of my case, but through the years, we didn't have much communication. They only emailed me if they saw something they wanted me to give. I was a little skeptical at first, but as the years went by, they've done a really great job.

I first heard about Cambridge Credit Counseling from a co-worker and connected with them to consolidate and try to eliminate some of my debt. They were able to lower my interest rate and their reps were always positive, very clear, concise and very understanding. With Cambridge, I'm now getting a little bit additional money.

Cambridge Credit Counseling was good for me. They were able to lower my interest rate. It was not a difficult process and they didn't make it difficult. It was set up so simply that I did not have a lot of interaction with people at Cambridge. The guy I did talk to in the beginning was great. He was very nice. There was very minimal paperwork, they told me what would happen and I could count on it. I found that to be true. It's a big sigh of relief to have my debts paid off and the situation taken care of every month. I didn't have to think about it. It gives you a peace of mind that everything worked out great. That's awesome. I will have a wonderful holiday because I don't have debt anymore.

I've built up too much debt and I couldn't find a way to pay it off. I found Cambridge online and since working with them, I've learned not to max out my credit card. My wife kind of controls my spending now. Everything went smooth with Cambridge.

I incurred my debt through hardship when I was caught between a rock and a hard spot. My husband died and things weren’t exactly perfect anymore. I was also raising our kids. I felt very responsible to repay the debt and I'm very proud that I got with Cambridge. I had a very nice young woman and she was very helpful and caring. Cambridge worked with me and I recently got the whole debt done with. They very much helped me do that and I'm greatly relieved and happy that I did it.

I was a little leery at first because I had contacted my creditors myself and they would not cooperate with me. I thought of several other places to contact before contacting Cambridge but I took my friend's word because she is reliable and I knew that she would not steer me in the wrong direction. After talking to her, I decided to give Cambridge a call and that was the best call I've ever made. I would definitely tell anyone looking to consolidate and do some other things, that they should give Cambridge a try.

I looked online for credit counselors and we just blindly went with one that we were pleased with which was Cambridge. Our experience with them was wonderful and we enjoyed working with them. They did what they said they would and we got a lot of things paid off, so we’re very pleased. We put creditors out of our mind, made one payment to Cambridge and they took care of everything. It made our life easier and it’s really wonderful when it’s all paid off. We've got our certificate of completion.

I searched online for credit counseling places as I needed help getting back on track because of a divorce. I got with Cambridge and my experience when I was starting with them was pleasant. They’re easy to deal with and they took care of everything which is nice. They were helpful and my experience has all been good.

I went with Cambridge as I needed help to get my finances caught up and my credit card floored. Their reps are friendly and pretty good. Since working with Cambridge, I am able to control my bills better and I've learned a little bit about the credit card system such as knowing when and when not to get a card. I am better now and I have a little more money in my pocket. I would also like to go back on one of my credit cards if I could or if that would be a chance later down the road.

I'm now debt free. Cambridge was able to lower my interest rate and I followed the rules. We learned not to go into debt. "Do you need it or do you want it?" That's my philosophy. I'm going to retire next year. I would recommend Cambridge.

I had used Cambridge years before and my first experience was so positive so I used them again. Some creditors have been tenacious in coming after me in the past and they’re absolutely rude. When I've called Cambridge, I've always been a little exasperated about my financial situation but they talked me through the legalities of it and they’ve always put my mind at ease. They were there for me when I needed them and they provided the structure and counseling for me to get through a tough period.

I wanted to shoo off my credit and a friend told me about Cambridge. My only interactions with their team was in the beginning and then the end and they were very courteous. I had a great experience with them and everything's done and over with. I paid everything off and I have no credit cards left.

My daughter told me about Cambridge Credit Counseling. One of her in-laws had tried it out. I wanted to consolidate my credit cards and get them paid off. Working with the team was very easy and pleasant. They made those interest rates lower on the ones that I was paying off to make it easier to pay.