
Cambridge Credit Counseling Corp. Reviews
67 Hunt Street Agawam, MA
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About Cambridge Credit Counseling Corp.
Based in Massachusetts, Cambridge Credit Counseling Corp. is a nonprofit credit counseling agency that provides financial education and debt management services to consumers. It offers credit counseling, debt management plans, and budgeting and financial education to individuals and families to help them reduce their debts. All counselors must achieve and maintain accreditation through the National Foundation for Credit Counseling.
Visit www.cambridge-credit.org- Clients are debt-free in under 4 years
- Extensive educational resources
- Free consultation and debt analysis
- Licensed and/or approved in all 50 states
- Fees vary by state
- Must participate in a 30 to 60-minute counseling session
Cambridge Credit Counseling Corp. Reviews
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Reviewed Dec. 22, 2015
I kept trying to negotiate my interest rates with my credit card company and they wouldn't help me out. Cambridge was able to do that for me and it is nice that they've consolidated everything into one bill.
Reviewed Dec. 21, 2015
I wanted to get my finances in order and clear up my debts. I connected with Cambridge and they pay off my credit cards for me. Their team is very helpful and my experience with them has always been positive.
Reviewed Dec. 19, 2015
I had a bunch of bills and I didn't make enough money to pay them. Cambridge was great and it helped get me out of debt. I have already recommended them to a bunch of my friends.
Reviewed Dec. 17, 2015
I had too much credit debt and wanted to get rid of it so I decided to connect with Cambridge. Everything was positive with them. I also got monthly emails, newsletters and lots of resources I could use for budgeting and things like that. They were extremely helpful and I already recommended them to my sister and my friends.
Reviewed Dec. 16, 2015
I was going through a divorce and even though I paid all of my credit cards on time, the credit card companies put my interest rates at unbelievable rates and they would not reduce them. The only way to get my interest rates down was to go to Cambridge. They were knowledgeable and friendly. However, they caused a problem with my credit card history and it wasn't their fault, but they didn't straighten it out. When they set up the payment plans all the Citibank-managed credit cards had different payment dates from the dates that Cambridge paid everybody all at once. So it took the Citibank card about five months to change their payment receipt date to Cambridge's, so they reported me late every month when I was paying on time. Overall, I would recommend them.
Reviewed Dec. 14, 2015
Cambridge was wonderful. They were very, very good. I heard about them through my cousin and got connected with them so I'd get my bills paid off. The person I talked to, John, was very nice, took all my information and took care of everything. Now my bills are all paid off.
Reviewed Dec. 13, 2015
I sought the help of Cambridge to clean up some debt and get my affairs in control, and they affected my life positively. I'd recommend them.
Reviewed Dec. 12, 2015
My experience with Cambridge Credit was good. The most important thing was the interest rates that they took care of. I had automatic withdrawals from my account and only called them when I didn’t have the money and then I just made my own payments.
Reviewed Dec. 10, 2015
I had some credit card debts that had got out of hand and my sister told me Cambridge could could help me get them paid down quicker. The Cambridge people that I worked with were nice. They keep me updated with different stuff and working with them helped me get out of debt.
Reviewed Dec. 10, 2015
I was trying to look up local places to do a consolidation, and people gave me some information that Cambridge didn't charge as much as the others. I worked with one person to do the thing and would talk to others on the phone. It saved me from doing a lot more damage to my credit, and spending so much more money. I got myself into a corner and was helped out by Cambridge Credit Counseling Corp.
Reviewed Dec. 9, 2015
Some people had been through the program and it worked for them, that's why I decided to sign up with Cambridge. I called them to find out how the situation was going to be once I ended paying all my debts and how that was going to happen. After that, everything worked out smoothly. Because of Cambridge, my credit's going up, so now I have a chance to actually get an auto loan.
Reviewed Dec. 8, 2015
I knew about Cambridge through an employee with the state of California which I retired from. I had a lot of credit card debt and wanted to get out of it, especially that the interest rates are very high. Because of Cambridge, I've been able to pay off my credit cards and have more opportunities to do other things that I want to do now. Their people are very helpful and very professional. They answered my questions and they always did what they said they would do, so the customer service was really good. The fact that they are non-profit was a good reason that I trusted them because I knew they weren't trying to just make money off of me. It was a great experience and people should look into it if they have debt that they are unable to get out of without help.
Reviewed Dec. 7, 2015
I looked Cambridge up through our employee assistance program at work. They were the first one I tried and they were really nice. The guy said, “Here, let me see what I can do for you.” It’s a no-brainer decision once I talked to them. It helped me get through a divorce and allowed me to get all my unsecured debt paid in full. I was close to $30,000 in debt and they had a special rate for our government assistance so it would be foolish not to do it besides the fact that it was really simple and seriously effective for me. I just paid it off and look forward to start going better now and I’ve recommended them to people already as my experience with them is excellent.
Congratulations on paying off your debt! That’s a great accomplishment and we hope you’re very proud of what you’ve been able to do for yourself and your financial lifestyle. Divorce can be hard on people emotionally AND financially – we’re glad we were able to help you through that stage in your life. As you move forward, please don’t hesitate to recommend us to any friends or family that you may notice are struggling financially.
Reviewed Dec. 7, 2015
Working with Cambridge has affected my life in a very positive way. They were very good at helping me reduce my debt and it didn't happen overnight but slow and steady wins the race. That's how you take care of most problems. I would definitely recommend them.
Reviewed Dec. 6, 2015
They were great at Cambridge Credit Counseling Corp. They're a must to work with. I'd recommend them.
Reviewed Dec. 5, 2015
My interaction with the Cambridge team at the onset was simple, short and sweet. They were on top of everything and made it easy for me. I have had less debts since I worked with them. I would recommend them.
Reviewed Dec. 5, 2015
The Cambridge team has always been friendly and knowledgeable. Moreover, working with them has helped me take care of business better. I'd recommend them to friends.
Reviewed Dec. 4, 2015
I knew about Cambridge through my wife. The man I had contact with from there was great. Cambridge has gotten me out of where I were to where I need to be financially - I have more financial freedom now.
Reviewed Dec. 3, 2015
I was looking for some help with managing my debt so I searched online and looked for some comparisons, ratings and reviews of different companies. I went with Cambridge because of its high rating. My interactions with their team has been easy and pleasant. My lifestyle is changed drastically for a number of different reasons but certainly Cambridge was a vehicle to get where I wanted to go and helped me do that.
Reviewed Dec. 3, 2015
I decided to connect with Cambridge because I needed to get it set up so that I could get my bills paid. I had a good experience with them.
Reviewed Dec. 2, 2015
I went with another institution before and then cancelled it because Cambridge had better qualifications and it was the best one to go with. Working with them made my lifestyle better. It paid off our bills and our credit has gotten better. Their people are great and I had a good experience with them every time I called. If I leave a message, they'd call me back. Whatever questions I had, they answered immediately. If I needed something with a creditor, they always called my creditor, got a response and called me back immediately. They were great to work with. I would recommend them highly to anybody.
Reviewed Dec. 2, 2015
I signed up with Cambridge because it's cost-effective and the lessened impact on my credit bureaus. The lady that I dealt with initially, Mary Beth, was awesome and once everything was in place, I wouldn't have to think about it again. I was a little short every month but other than that, it was faster than it would've been trying to pay the bills off regularly. They were all good.
Reviewed Dec. 1, 2015
When I called Cambridge, I got someone who explained everything to me and didn't leave any of my questions unanswered. I was able to know what I was paying each month and it went smoothly for me. I'm happy with Cambridge because I'm virtually out of debt. I would recommend them to someone.
Reviewed Nov. 30, 2015
I was so far in debt. I didn't know where to go and what to do, so I decided to connect with Cambridge. They were able to lower my interest rate and they were there for me if I had any questions. Overall I had a good experience with them and I'd recommend to a friend.
Reviewed Nov. 30, 2015
My experience with Cambridge was very good. I've recommended them to a few people that I know.
Reviewed Nov. 29, 2015
I only have two cards I consolidated and it was pretty simple. Initially we set everything up for three cards and it was fine. I've recommended Cambridge to several other people. I was completely happy with their terms and I was very impressed with their professionalism.
Reviewed Nov. 28, 2015
It was an excellent experience with Cambridge! One of my sons used the company many years ago, and several years later when I became nil and couldn't handle my affairs, I remembered and contacted them. I handed over my credit reports and cards to them and they took care of everything for me. It took three years to clear it all out, but that's because I had racked up a lot of debts. I don't get to see my social security check (that's where it came out from) and that was fine. That was the arrangement that we made and it worked well for me.
The team were always knowledgeable and courteous. I've spoken to Tim and Erica a few times, and they are a great team that I had. I never had to call them for anything serious. A few times that I had to call for any information or if I had any questions I always could reach the person I needed to reach. And I am being very honest: There was never any downside. When I had a question, and if I needed someone, I always had somebody on the other end of the line. It was never a machine. I never had to talk to a voicemail. It's rare in today's world to call anyone without talking to a machine which makes me crazy, but I never had that problem with Cambridge. So I would recommend them and I have recommended them to a couple of people who said, “I’m getting buried because of this and that.” And I let them decide if they want to go that route. For me, it was a painless process.
Reviewed Nov. 27, 2015
I'm glad that I finally got our bills paid off. They were very helpful and I'm grateful that Cambridge was there to help us.
Reviewed Nov. 27, 2015
Everyone from Cambridge has always been helpful. The first person I talked with was phenomenal. The advice that was given to me was on point and by following in it and doing what I'm supposed to do would see the results. I'd just have to stick with it and be consistent. They have given me so much peace. And to see myself actually getting out of debt and my credit score go up was awesome. I would definitely recommend them as my experience has been wonderful.
We are SO happy to hear that our advice was helpful to you! Congratulations on being able to watch your debt decrease as your credit score increases! The feeling of digging yourself out of debt is wonderful and we want you to be proud of yourself for this accomplishment! Please don’t hesitate to recommend our services to friends and family of yours that may also be struggling with their finances.
Reviewed Nov. 26, 2015
The people from Cambridge are very professional. They did an excellent job on dealing with us on our debt. We were very pleased with them and have recommended them to other people.
Reviewed Nov. 25, 2015
I found out about Cambridge when the news did a report about their credit and debt validation. I went to a lawyer to talk about bankruptcy but then I saw that and I'd rather do that versus filing for bankruptcy. Their team was like a resource. They helped me with my budget again. Working with them has affected me in a good way. It kept me within budget and made me think about my spending. Before I actually spend, I plan it. I would recommend them to a friend.
We’re so glad to hear that you were able to come to us and avoid filing for bankruptcy! Our goal is to become a resource for those seeking our help, and we were happy to be yours! Luckily, there was another option for your situation and we were able to help you get back onto a budget. While you’re enjoying your new financially fit lifestyle, please don’t hesitate to recommend us to anyone close to you that may be struggling with finances.
Reviewed Nov. 24, 2015
Whenever I approached the reps from Cambridge, they didn't make it a shameful process or make me feel guilty for the debt I was going through. They made it very easy and something that we were going to work through together. I stuck to my plan and got out of the debt according to the plan. It felt like a great accomplishment when it was over. They offered educational information to make sure that I wasn't going to get myself in that situation again. It was a very good experience. I have five credit cards and I would have liked it if they would have the latest remaining balance available though.
Reviewed Nov. 23, 2015
Cambridge did what they said, that they'd get me out of my financial problems and they did an awesome job. My wife and I agreed that I could have done it sooner.
Reviewed Nov. 21, 2015
I chose Cambridge to get my interest low on the credit card because it was so high, and they were able to do that for me. I was able to get my big bill paid off. Their team is friendly, knowledgeable and courteous, and everything went pretty smooth.
Reviewed Nov. 20, 2015
The Cambridge credit team was very understanding. They made me realize that I need to conserve in some places and save on others.
Reviewed Nov. 18, 2015
I loved and enjoyed Cambridge. It was very helpful to me. Glen was very helpful with me all these years. Excellent experience.
Reviewed Nov. 15, 2015
I sought assistance before contacting Cambridge not to borrow money against my credit cards, but trying to reduce my loan percentage and that mortgage on the house. I got nowhere. I was attacking a lot of different areas trying to bring my mortgage percentage down from 7.25, it went down to 3s and 4s. The mortgage company didn’t want to talk about it. That was one of the big things I was trying to get at. As far as the credit cards, they were raising my interest rates. I have had credit cards for long-term 20, 30 years and some of them had started the percentages in the single digits and actually, one of them that I had closed down 10 years ago because they raised the interest rates on me. At one point, I’ve had $25,000 credit line and it was up to around $15,000.
That’s the time when all of a sudden, I get a notice that they were going to increase it. I hadn’t missed any payments and everything had been on time; so at that point, I shut that down to get it, just freeze it where it’s at and I’ll pay it off and Cambridge took care of that. It was really tough to get into a regimen as I had a very stiff payment. My wife took out every credit card that was offered to her when we relocated to Florida. I ended up with 21 different credit cards and a couple of other loans that we’re wrapped into that the Cambridge program took care of. It was an excellent experience with Cambridge Credit Counseling and I would definitely recommend them. I started with an amount of roughly $114,000 and with Cambridge, managed to pay it off in 52 months.
Reviewed Nov. 14, 2015
We decided to get in contact with Cambridge to get out of debt. They were able to lower my interest rate and I would recommend them. It's a great company.
Reviewed Nov. 12, 2015
We're happy to have found Cambridge. We were able to finish the program and it's a good feeling. We directly contacted Cambridge after they was referred by the University of Washington support system, CareLink. We contacted them because we had a lot of credit cards that have very high interest rates. All of a sudden, our interest rates were raised up to as much as 28% or 29%. So we figured we won't be able to pay off our balances at that rate because we won't be able to add more. That's when we found out from Cambridge that they can negotiate rates and then do the payments themselves, and that will be more disciplined than if we were to do it ourselves.
Since working with Cambridge, we were able to budget because there's one big, lump sum that we have to pay them. So now, we're more aware of what we have left and that's what we have to work with. Also, the biggest thing is we were able to survive without any credit card for the five years that we were with Cambridge. We were able to realize that we could do things and pay cash, and didn't need to charge anything to credit cards. We were able to be more aware of our expenses and our budget.
Congratulations on completing the program! This is a huge accomplishment and you should be very proud of yourself! It can be very discouraging when your interest rates increase so much that you’re unable to keep up with your payments. We’re glad we were able to give you enough breathing room so that you could create a livable budget, as well. Enjoy your new financially fit lifestyle!
Reviewed Nov. 10, 2015
Cambridge was very easy to work with. They were willing to speak with my creditor and work something out. They were always friendly when I first set it up and at the end, they were calling to let me know my last few payments were coming out.
Reviewed Nov. 8, 2015
I was getting in too much debt and didn't know how to get out because I'm disabled and only receive one check a month. It was difficult for me to pay the bills. I decided to connect with Cambridge Credit Counseling Corp., and they were able to lower my interest rate. The team was very friendly and understandable. I am in contact with them every month, and in my emails, they would send me the statements they were paying, what was going on, and which one was finishing. Working with them taught me not to get involved in too many debts, and to use one credit card. Now, I only use one and the rest of them have to go because what I'm receiving is not enough to pay all of them. I'd recommend this company. They're great. They teach you step-by-step on how to deal with your debt and not go back into them.
Reviewed Nov. 7, 2015
Cambridge sent me the papers, I filled it out, and then send it back. My overall experience with them is good and I'd recommend them to a friend.
Reviewed Nov. 6, 2015
I connected with Cambridge to pay less money. The team was friendly, knowledgeable and courteous. They are very factual, which was a good way to communicate with me. They're just saying, "Well, this is what we need to do and this is what we're offering," and I said, "Good deal." They did exactly what they said they would do and with the least amount of effort on my foot.
Reviewed Nov. 5, 2015
I had an excellent experience with Cambridge Credit Counseling. Our payments were just getting too high so I decided to connect with them and they were able to lower my interest rate. Their staff were also friendly, knowledgeable, and always courteous and answered my questions. There was never any problem getting a hold of them. And one financial insight I gained since working with Cambridge is to live within our means.
Reviewed Nov. 4, 2015
I had a financial crisis and the creditors treated me like I was a crook. I didn't want them to bother me so I went to Cambridge Credit Counseling and I was totally pleased with every interaction I had with them. Everyone there was excellent except during my very first meeting with them – I didn't like the attitude of the person that I called, but it was straightened out during the meeting. Working with Cambridge has taken my stress off. They paid everything and I didn't have to be bothered with the creditors as I was trying to get back on my feet. Cambridge is a company that I would recommend to anybody because it's user-friendly.
Reviewed Nov. 2, 2015
My experience with Cambridge was very good. They kept calling me and they told me a lot of stuff about payday loan and they said that's not good advice to get. I really appreciate what they did with everything. They helped me out a lot and I even recommended them to my brother.
Reviewed Nov. 1, 2015
I connected with Cambridge Credit Counseling to consolidate. They were helpful and they were able to lower the interest rate.
Reviewed Oct. 30, 2015
I connected with Cambridge Credit Counseling because of too many bills. They were able to lower my interest rate and their team was very courteous. I have been more careful since I started working with Cambridge. Every time we called, I always got the answer I was looking for. They were very honest.
Reviewed Oct. 28, 2015
I contacted Cambridge because I had to pay down all my debt and close everything out. But before going to Cambridge, I called a couple of vendors to seek for assistance and they were not very flexible. Cambridge was able to lower the interest rate in almost all cases. It was down to 0% or 2%. I work in finance, but even that negotiation would not have happened with a regular person. So it was an improvement. No matter who I spoke to or whatever I was asking, it was totally resolved in one phone call. I never needed to call back. The people at Cambridge were really good and helpful for me. And now, I am completely out of debt. Cambridge made the whole process super easy. They took care of everything for me, so I’m very grateful for them.
Reviewed Oct. 27, 2015
Cambridge did exactly what they said they would do and everything that we tried to accomplish were accomplished. They stayed in-touch and followed-up on everything.
Reviewed Oct. 25, 2015
I had a couple of stubborn credit cards that wouldn't work with me so I looked into credit counseling on my own. I had some interest rates that I wanted to lower, and Cambridge Credit Counseling was able to do that from 16% to 10% which was fairly significant. I was hoping to get it lower but I did have the result to stay on the plan for a couple of years. I had two fairly high credit cards with them and paid them off completely. However, they sent me regular monthly reports that were meaningless. I told them all the time that it didn't have my account balance. It only shows what I paid. I kept calling them and saying, "Please, can you show my balance so I can see my progress?" They couldn't get that corrected. Other than that, the experience was good. They do what they say, but nothing more.
Reviewed Oct. 24, 2015
I enjoy interacting with the staff of Cambridge Credit Counseling when I started with them. They really assured and explained to me exactly what I needed. They have what I was seeking – to consolidate all my debt into one payment so that it wouldn't be such a burden on me. Lowering the interest rate did happen with them and I’m glad I'm finished. I also like their letters. It helped me on having good information on different things you can do and what you shouldn't do, even the monthly letter that we have to fill out to see where we stand with our credit. They understand things will happen. I even recommended them to my son and would definitely tell about them to those who might be going through a hardship because I know it worked for me.
Reviewed Oct. 23, 2015
I had debts. This was the reason why I first contacted Cambridge Credit. Their team has been good and helpful and I got some of my interest rates lowered by them. I was satisfied.
Reviewed Oct. 20, 2015
Cambridge is the greatest. I was paying so much for my bills and didn't have enough money to pay so decided to combine all them and just have one bill. They were able to lower my interest rate. If it weren't for that I would still have been paying all those bills. I would recommend anyone to them to come with a problem and speak about what they're going to do. A company like that is on the mark and truthful to what they say. The girl that I spoke with when I first started was great and if I didn't understand something I call and there always was someone there to answer a question to anything that I wanted to know.
Reviewed Oct. 19, 2015
I was in debt, making minimum payments and wasn't getting anywhere. Cambridge was able to lower my interest rate. I had three credit cards before which were all 15% or higher and they got them all down to 9.9%. When I signed up, the lady was extremely nice, very informative, and let me know what was going to happen and how it all went down in advance. She was really nice about everything. They send me a few emails once a month with good financial advice, I read through those and gained a little bit of info. I'm currently debt-free and I make more wise decisions because I don't want to have to deal with all that again. The experience was hands-free for me as they took care of everything. As long as my money was in the bank account for them to pay the bills, that's all I had to worry about, so it was a nice.
We are so happy to hear that we were able to lower your interest rates on your credit cards. Unfortunately, high interest rates prevent people from being able to pay off their debts. It is our goal to make sure that the process of going through our program is as easy as possible and it’s good to know that your experience with us was stress-free. We hope you enjoy your new debt-free lifestyle and continue to make wise financial decisions.
Reviewed Oct. 18, 2015
One of my friends said Cambridge Credit Counseling was really good. She likes them so I trusted them. Their counseling team was all great and very friendly. They were always helpful and answered questions. I’m not sure exactly what they did but I like them and I have a little bit extra money now that I'm done paying.
Reviewed Oct. 17, 2015
I had gotten laid off from my job and was having some financial difficulties and needed to consolidate and close some things, so I reached out to Cambridge. They were able to lower my interest rate. Everything was great.
Reviewed Oct. 16, 2015
Someone on Channel 11 who was talking about credit repair mentioned Cambridge as one of the better consolidation companies to go with. I did consolidations before with another company but Cambridge has been a great experience and very meaningful. I got in touch with them since I had a lot of large bills. I wanted a lower interest rate, and get them paid off in a way that I don't feel like the lenders are hounding me. If the debts are consolidated, the lenders adhere to the company's rules and whatever the lenders establish with them. The people I spoke to at Cambridge were really nice and very helpful with getting me back to where I needed to be - having all of the debts paid off.
One of the things that was really good about Cambridge was that if I didn't have the money and I didn't want to deduct it out that month because I needed it to pay something else that wasn't in the consolidation, they were able to tell me right off the bat that they would stop the payment. They wouldn't take the money out and put off the payment to next month and then withdraw the money then. I really like that flexibility.
Ever since I came on board with them, everything was very transparent in how the money was going to be spent. I get an invoice every month on how much had been paid for the credit card company. Even towards the end, they were very nice about letting me know that I did a great job. It was very motivating. I've gotten a lot of offers for credit cards since then which shows I'm rebuilding my credit. But right now I'm just trying to just keep the momentum going of not charging up a lot of cards. As far as my life, it’s improved and I may be more aware of my finances now.
Reviewed Oct. 15, 2015
I contacted Cambridge to get rid of my debt, and they were able to get it consolidated and lowered my rates. I didn’t have too many interactions with their people, only at the beginning when we were setting everything up and when we had payments, which all flowed nicely, but they were all pleasant. Cambridge removed a bunch of my debt and we paid it off early. I have recommended them to two people who became their clients.
Reviewed Oct. 14, 2015
I connected with Cambridge mainly because we have so many bills and we had less money coming in and at that point we were behind. Their team have all been very polite and nice when I've spoken with them. They gave me all the information that I needed at the time. As far as I know, they were able to lower my interest rate and we got our bills paid off since working with them. Overall, it's a good company to go through technically if anyone needed to.
Reviewed Oct. 13, 2015
A long time ago I went to Cambridge and they were able to lower the interest rate on my bills. Recently I had some more bills come up and went through it again. Cambridge was a big help.
Reviewed Oct. 13, 2015
It was very efficient and easy using Cambridge Credit. They knew what they're doing and were very professional. All in all, we had a wonderful experience with them. They were great and we recommend them.
Reviewed Oct. 12, 2015
I contacted Cambridge because I wanted to consolidate my credit card bills. They were able to lower my interest rate and got my cards under control and now they were all paid off. Since working with them, I can better balance my income and budget because I no longer have that debt over my head. It made me aware that I should be more responsible and careful not to overuse anything in the near future and not to abuse credit cards or let it get out of hand. All in all, it was a rewarding and very good experience.
Balancing a budget does not come easily to everyone, and it’s not hard to see why someone would fall behind. All it takes is a few missed credit card payments, and a high interest rate, to let things get out of hand. We’re so glad that we were able to help you out of your situation. Enjoy living your new debt-free lifestyle!
Reviewed Oct. 11, 2015
I talked to some banks about consolidating my debts but nothing ever worked out. We were so far in credit card debt - we were paying for 20 years and still couldn't get out. We talked to Cambridge and they said they could help us to get out of debt in five years with just a little bit more of a payment. Our house burned down in July and we had pretty good insurance, so that's how end up going ahead and paying the debts off.
Cambridge lowered the interest rates with some of our credit cards. Some of the banks won't buy into it but Cambridge worked it out to where we could still pay those debts off in a certain amount of time. Since working with Cambridge, I've learned to not get credit cards again. I'm about midway through the program, with about two and a half years left. We are pleased with our Cambridge experience and would recommend them to anybody.
Reviewed Oct. 10, 2015
We were trying to make arrangements for payments to our creditors so we reached out to Cambridge Credit. We needed somebody to talk to the people that we owed money to, somebody that had a little more authority. Cambridge was able to lower our rates to something manageable, at least better than 25%. A couple of our creditors reduced our interest to zero and some of them 6%. There's no way I could've done that. Since working with them, I was able to get all my creditors paid and not have anymore other than my mortgage. I've got no complaints. I'd be happy to recommend them to anybody that's looking for the same type of resources that we gathered from them.
Reviewed Oct. 10, 2015
My experience with Cambridge was great. Before contacting them, we talked to somebody and it didn't go very well. Then I reached out to Cambridge while looking at some others out there and when I found it was backed up by BBB I was all over it. Everything had gone down during the recession as I started losing hours in my previous job and things had been a little bit too much to handle and I wasn't able to pay my bills. The Cambridge team was able to lower my interest rate. They combined everything into one payment which made it so much easier. I had done another job prior to doing it and after a couple of years it started to get a lot easier. I just kept doing my thing and working and trying to get ahead of the dream. It took four years but I'm in good shape now.
Reviewed Oct. 9, 2015
I got in touch with Cambridge Credit because I was in debt and when you get in a mess like that, you feel pretty bad about yourself but they made me feel good. They were very friendly and helpful. They did a very good job in lowering my interest rate, everything was so workable. I had financial insight and did not get in debt since working with Cambridge Credit. The whole experience was excellent.
We believe that no one should be made to feel badly about their financial situation. We’re happy to hear that you had a positive experience with us, and we’re even happier to hear that you have managed to stay out of debt since working with us! Keep up the good work!
Reviewed Oct. 8, 2015
We talked to Cambridge after hearing about them on the radio and it sounded like they could give us a hand. They provided us with lots of information and were very helpful in helping us resolve everything. There were a couple of accounts that they couldn't help us with but they were able to lower our interest rates with the rest. It took some of the stress out of having to deal with a bunch of different bills and we learned how to better manage our money. I'm glad they were around to help us out. We were pleased with the way everything went and it all worked out good for us.
Reviewed Oct. 8, 2015
I wanted to consolidate some debt so I decided to connect with Cambridge since I heard nice things about them. They were able to lower my interest rate and their team was very professional. It is a good company - they helped me gain control of a number of different credit cards.
Reviewed Oct. 7, 2015
Cambridge doesn't look up credit. The other company looks up the account and sees what is owed and they consolidate. On the other hand, Cambridge only does the account and I have to do all the research work myself when dealing with them. I haven't looked at my credit in years and I'm almost sure there's things there that can be taken off because a lot of times, even though some are cleared off, it's not taken off. Other than that, they all did a good job. Cambridge set up everything and my credit score went up a little since working with them. I've used them twice.
Reviewed Oct. 6, 2015
Everything was a wonderful experience with Cambridge. Everyone was so helpful, kind, and patient. The representative I got a hold of was extremely courteous and gave me all the answers I wanted. They walked me through everything. There was no interest rate and they consolidated everything into one payment. Since working with them, I've learned to budget. I'm retired and on a very fixed income, so that helps. For the first time in my life, I am out of debt and I feel wonderful.
Reviewed Oct. 6, 2015
I contacted Cambridge to get my card cleared up. They were great people and helped me out a lot. Moreover, they were able to lower my interest rate and helped me with my bills. Overall, it is a good company and I would recommend them.
Reviewed Oct. 5, 2015
I've been on Cambridge Credit Counseling for several years. I had too many bills at the time and needed to get them out of the way and Cambridge seemed to be the best way to go. I've gained that you need to get your bills paid off before you get so old. I'm 76 and I started out with a bunch. I then got off of Cambridge for a few years and went back on it. I didn't see any way out until they came along and helped me. Now I have a lot more money to spend. I am more secure and happier. I would recommend them to others. Paying was easier because it came out of my check automatically. I didn't have to think about it or send it in the mail. Their people were very courteous with me and my interactions with them were all positive.
Financial stress can happen at any stage of life and it’s important to get help when you need it – be proud of yourself for recognizing this! We’re so happy to hear that you’re more financially secure and that you’re able to live a more relaxed lifestyle. Please don’t hesitate to recommend us to your friends and family that may also be struggling with their finances.
Reviewed Oct. 5, 2015
One of the local talk show guys on the radio station in Denver talks about personal finance every week and I heard him talk about Cambridge Credit Counseling about 4 years ago. Somebody called in for help and the talk show guy always recommended Cambridge. We had about $19,000 in credit card debt, and like most people, we were getting nowhere making minimum payments. The way the talk show guy described it was that Cambridge has deals with credit card companies and they can get the interest lowered. So I called Cambridge and talked to a rep. He did all the preliminary stuff. Cambridge contracted our creditors, got the interest lowered, and took care of the payments. They arranged for all the payments and deductions. It was hard giving up $454 a month in payments but it went fine.
My only criticism is that it would have been nice to get a call from them every so often saying everything's fine and going along. Otherwise, it was a very smooth process. At the beginning, they do a budget and advise about staying away from credit cards. Cambridge was helpful, and we haven't had bad income each month. I've recommended it to people.
Reviewed Oct. 4, 2015
We had a great experience with Cambridge. We didn't have any issues at all and everything worked out well. We picked them by doing some research and they seemed to be the best. Their professionalism stands out and they were very good to deal with.
Reviewed Oct. 3, 2015
I had a good experience with Cambridge, no problems whatsoever. Their team was very helpful and it was easy. I was pleased and would recommend them.
Reviewed Oct. 2, 2015
I first heard about Cambridge when I was looking for some place that I could trust. I was searching online and came across it. In prior years, we had to go through bankruptcy, so in order to come and go through that route, we thought that credit counseling was best. We have used other credit resources through Cambridge Credit Counseling and working with their team has been wonderful. They explained everything, step-by-step. If I had any questions, they were always available. I would check online and use the online information and then make a phone call and actually have a person on the other line.
Since working with them, I have gained financial insight. I use a lot of the basic tools now. That way, we're building savings rather than using them. The stacking principle where once you get one of the smaller bills paid up, you go ahead and start paying another one. That seems fundamental to keeping things, where our finances are, finally secure. Working with Cambridge has improved our lifestyle greatly. Because now, we have financial security that we didn't have before. Everything has been positive, beneficial and life changing to me and my family.
We’re so happy to hear that you trusted us to help you with your financial situation. We understand that trust can be a difficult thing to have when you’re under stress. The tools we provide to our customers are meant to be used to improve a person’s financial situation and help them learn to avoid repeating it in the future. We’re glad you’re still using the tools you learned and that they’ve brought such financial peace to your family. Congratulations on your accomplishments!
Reviewed Oct. 2, 2015
I thought Cambridge was a good program and was something that the Obama Administration was handling so I contacted them, and they were able to lower my interest rate. I was always on time with payments, and their team sent me a monthly statement saying how much they sent to everybody. My creditors and I were very happy.
Reviewed Oct. 1, 2015
I decided to connect with Cambridge when I had two major surgeries and was not able to work at my business. I needed help because I wasn't able to maintain my normal activity to make the payments I've been making. They were able to lower my interest rate. I have gained a good financial insight since working with them - allocating money towards savings ahead of time to build a personal reserve. It's amazing. We've totally eliminated all of the credit card debts and then the credit card.
There were several phone calls and emails almost monthly or at least every other month on information from them. In addition, there were newsletters about different things that were available. They were frequently touching base with me. They seemed very willing to help. I love the fact that they were nonjudgmental and always seemed to be trying for my best benefit. They are easy to work with and a quality company.
Reviewed Sept. 30, 2015
Cambridge is a great company. They did a good job. They helped me out very much and I'd recommend them to anyone I know that was in any kind of credit trouble.
Reviewed Sept. 30, 2015
I never had any trouble with Cambridge Credit. They were good to me and I got my debts paid up since working with them.
Reviewed Sept. 29, 2015
My husband and I had a wonderful experience using Cambridge. It was very easy. We had a good counselor at the beginning and it was nice that we made it through the three years that we had. They always offered counseling if we needed it. The only thing was, at the very end, we asked for our payoff balance and they didn't get the right payoff balance. We had to put in another $150. It was frustrating because I had to go down and do all the stuff again but other than that, it was great. We have recommended several people to Cambridge.
Reviewed Sept. 28, 2015
I was reading a financial book where I ran across the name of Cambridge Credit Counseling. I called other agencies but they were not able to help me. So, I was so happy that Cambridge was able to help me out with my situation as I had no other choices but either do a bankruptcy or credit counseling. Once I submitted all the applications, it was really nice to have somebody to guide and help me on my situation because it was stressful at the time as my debt was huge. On all the credit cards that I was making payments, they lowered the interest rates and a couple of ones were even 0%. I will definitely recommend to any person who's going through a tough time to give them a call.
Reviewed Sept. 27, 2015
I needed some assistance getting lots of my bills paid so I got in touch with Cambridge Credit Counseling. They were very helpful, nice and knowledgeable, and lowered my interest rate. Cambridge helped get my bills paid so I don't worry about it so much.
Reviewed Sept. 25, 2015
I had too many credit cards and it seems like I couldn’t get ahead of it. Cambridge was able to lower down my interest rate and did a very good job. I've cut off the big credits cards and only have a small credit card and I'm paying it. I'm very happy with Cambridge.
Reviewed Sept. 24, 2015
Cambridge was able to lower my interest rate. They helped me figure out how to consolidate the debt. They kept in touch with us frequently throughout the process. We did worksheets on our budget and how to live within our budget. Now, we’ve paid off all of our debts.
Reviewed Sept. 23, 2015
We had too much debt and needed help so we decided to connect with Cambridge. Everything worked out really well for us. They did everything good and I appreciated it. We did our payments on time, so we never had any troubles. If I know of anybody who might need some help, I would surely recommend Cambridge.
Reviewed Sept. 22, 2015
I'd recommend Cambridge. Overall, we had a very good experience with them and the starting process was the best.
Reviewed Sept. 20, 2015
In the beginning when I was setting it up, I had a lot of interaction with Cambridge Credit Counseling because they go through everything with me and spend a lot of time. After that, there's not much need to interact. I would just call and it was easy to do. They lowered the rates on all of my cards, and I was making additional payments along the way. Sometimes I would send some money to whoever the creditors were to keep it moving so I finished a little early. Then if I thought like all is paid off, I call them and have them tell me what the payoff amount is and they were always quick about saying what the payoff amount was. I had no problems at all.
Congratulations on completing the program early! It’s always so nice to hear that our clients finish paying off their debts sooner than they expected. We’re so glad that your experience with us was a positive one, and we hope that you wouldn’t hesitate to recommend us in the future to someone you know that may be struggling. We wish you the best of luck in your new financially fit lifestyle!
Reviewed Sept. 19, 2015
I made it through the program of Cambridge and appreciated their service. There was not much communication though - they were not as warm as I thought they'd be. Sometimes I only get a call from them for information. But there was a time I got to talk to one lady who was awesome. She followed through and provided me information and tips. Overall, Cambridge is fine. They give you tools which is cool. I would use them again.
Reviewed Sept. 17, 2015
When I was going through my divorce, I wanted to consolidate all my loans so I connected with Cambridge. I wanted one payment that was affordable that I could pay. Over the course of paying out my loan, I've had a couple of interactions with people there and they were all positive. In the end, I got to complete my payment. I don't have to worry about it anymore so that's better for me.
Financial issues come in all shapes and sizes. We’re sorry for your circumstances, but we’re glad to have been able to help you manage your loan payments. Congratulations on reaching your goal of paying back your loans! Please don’t hesitate to recommend us to your friends and family members that may be struggling financially!
Reviewed Sept. 16, 2015
I had called a lot of people before calling Cambridge but they were either busy or they'll call me back and I couldn't get through to them. I got through to Cambridge and they took good care of me. The lady helped me with everything. I told her I didn't know how to read and she told me to send everything to her and she would take care of everything for me, and she did. She was such a blessing because, at the time, I was so nervous and upset, I couldn't think right. If I was having any problems, the lady would call me afterwards to make sure I was okay.
Reviewed Sept. 14, 2015
We were referred to Cambridge Credit Counselling by another financial company when we were seeking help on getting our debts paid off the fastest and most efficient way. Cambridge was very helpful and had good communication when we first got the account set up about three years ago and even recently (in May and June) when we were trying to get everything taken care of. They're always very quick on getting back to us whenever we needed help.
Reviewed Sept. 13, 2015
It was in 2009 that I spoke with someone at Cambridge, and she fixed up everything. I pay every month and was glad to pay off. If I found somebody that needs help, I’ll recommend Cambridge.
Reviewed Sept. 11, 2015
I had heard Cambridge had a good background. They knocked a little bit off my interest on the payment as it went down through there and it is now paid off. Everyone in their team were all wonderful. All of them treated me good.
Reviewed Sept. 10, 2015
Everything with Cambridge is very good and I'm happy. I used to speak to one of their representatives. But we have a problem with the mortgage company for our house. I wanted to pay like how some do it with their Discovery card but I don't know how they do it.
Reviewed Sept. 9, 2015
Everything went smoothly and was taken care of. We never had a problem with any payment not being made or being contacted by the credit card companies.
Reviewed Sept. 7, 2015
I was having a hard time getting out of debt on my own so I went with Cambridge. I paid off all my bills, which is a good thing, and I'm out of debt. Their staff are very professional and helpful. They were always in touch if I had any questions. My counselor, Glen, was always available. It was a very positive experience and if I knew anybody, I would highly recommend them. I was very happy with their service.
Congratulations on paying off all of your debts! You should be proud of yourself for recognizing the fact that you needed help with your finances. We’re always happy to help, and we’re glad you chose to ask us for assistance! Please don’t hesitate to recommend us to your friends and family members that may also be struggling with financial issues.
Reviewed Sept. 6, 2015
I had too much debt and needed to get rid of some of them. Cambridge was able to lower my interest rates and now they're all paid off. But I've got two more debts that I was wanting to get paid off and they couldn't give me a good rate. What they're asking me now is the same thing I pay. I don't know whether they changed their process but it's not like how it was.
Reviewed Sept. 5, 2015
I used some other company before but it didn't seem very legit. Cambridge was recommended to me, I did research on it as well, and I decided to connect with them. They were great - they were able to lower my interest rate and now I'm better able to stay on a budget.
Reviewed Sept. 3, 2015
Cambridge was fine, with the exception of them sending excessive advertising and other kinds of propaganda by email. But they did what they said they would do so I would recommend them.
Reviewed Sept. 3, 2015
I was experiencing some difficulties - my income had fallen and I had substantial consumer debts. I was looking for a way out of that without going into default. When I got Cambridge Credit Counselling's information through my employee assistance program at the company I was working at, I signed up with them. They were great. They negotiated terms with each of my creditors, brought the interest rates down, lowered the monthly obligation, and consolidated everything in a way that it was affordable for me to pay off. They gave me a five-year payoff plan.
The initial person I spoke with was tough. We went over a monthly budget and he gave me the straight story without sugarcoating it, that it was going to be difficult based on my monthly obligations, but we came up with a plan and he said that if I stick with it, I'd be debt-free in five years. I had to call Cambridge a couple of times because I had some situations, but they worked with me and it all worked out in the end. They followed up on me afterwards - annually, there were reviews where they wanted to know how things were going. Overall, it worked out great and their fees were only $15 a month which was very good. I learned some things and getting out of the situation I was in was a good experience.
Congratulations on improving your financial situation! Unfortunately, your story is not uncommon. Many of our clients experience a decrease in their income and can no longer manage to make monthly payments towards their consumer debts. You should be proud that you were able to recognize this problem early on and get the help you needed. We’re very happy that you were successful in completing the program, and that you learned a few things from your situation. Please don’t hesitate to recommend us to your friends and family that may be struggling.
Reviewed Sept. 2, 2015
I read reviews from other customers and they had a positive experience with Cambridge. They didn't feel hustled and that Cambridge was reputable, honest and had great customer service. And in my experience, people were very helpful and courteous every time I called. I talked to whoever I needed to and they answer my question. On the accounts that we consolidated my interest rate went down to zero on one while the other one went down to nine. We just paid off a large lump sum of debt so I’m hoping to see that next month. I would definitely recommend Cambridge to a friend.
Reviewed Sept. 1, 2015
My experience of four years with Cambridge was great, but I am done with them now. I heard about them on Oprah when a financial adviser and someone in the audience asked them who would they recommend. They mentioned the company's name. After two years, when my husband and I got into the bind, I thought of all kinds of ways, and then my husband looked up counseling on the internet and then Cambridge came up. Then, I remembered that this was the one recommended. I also heard it from Suze Orman. We called them and it was a lot of work to begin with but once you're done doing all the preliminary things, it's easy going.
Every time I called, they helped and answered all my questions right away. One time when my brother and I inherited a building when my parents died, my brother then decided to move after all these years. He sold me his share, and my brother-in-law and sister-in-law helped me and my husband so we could buy the place. I asked Cambridge if they could recommend or write me a letter for the credit union so we could get through with the loan. They wrote me a beautiful letter telling that I never missed a payment, that I was never late, and that I was a very good client. I really appreciated that they answered my questions all the time. I'd recommend them to anybody.
Reviewed Aug. 31, 2015
The people from Cambridge were really good to me and very polite. I had no problem at all and I'd definitely recommend them.
Reviewed Aug. 31, 2015
I'm very satisfied with Cambridge Credit Counseling. I hope they could work on school loans in Ohio.
Reviewed Aug. 30, 2015
We've been with Cambridge for three years now. We had been talking about our credit card problems for quite a while, so we made a decision to try to get a hold of them, and we did get an excellent agent with them who helped us right along. We were new to it, and he'd contact us to explain everything in depth; and we could contact him too! My wife always had a very good experience with Cambridge. They've been excellent and they kept up with us more than when we have them; so, they've been of assistance. My wife has also been in touch with them a couple of times but we've never had any real problems. They were able to lower some interest rate - enough to make some good difference. But, there's one or two that they couldn't. I wish we could've gotten more than we did, we're not unhappy.
Reviewed Aug. 29, 2015
Cambridge has been great. They helped lower my interest rate and since working with them, I've become more conscious of my finances. They taught me to pay my bills and not get overextended.
Reviewed Aug. 28, 2015
I went to Cambridge for help to get our credit card payments paid off and talked to their people over the phone. They were able to get the rates down and we were able to pay off our loan in five years. It took a while, but they helped to get the job done. Overall, we're pleased.
Reviewed Aug. 28, 2015
I don’t know of any assistance that I could get from my bank to pay them back. So, I decided to get in touch with Cambridge Credit to pay off my debts. And apparently, they were able to lower my interest rate. One thing though, there was a little miscalculation on somebody's part, so they didn't realize that I had a balance that was down from one payment. So, I called to let them know about it. Overall, I would recommend Cambridge Credit.
Reviewed Aug. 27, 2015
Somebody referred me to Cambridge, and they have been very helpful. I wasn't getting anywhere with my payments, so I decided to go through them and have it taken care of. They have been friendly, professional, and were able to lower my interest rates. I would recommend them.
We’re so happy to know that you’re having success with our program and you’re pleased with our services. Many of our clients contact us for the simple reason you mentioned of not seeing any change in their debts with the amount they are paying each month. The first step to getting help with your debt is to reach out for help and, since you've done that, you’re well on your way to financial freedom. Thank you for choosing us and please don’t hesitate to recommend us to your family and friends that may be struggling.
Reviewed Aug. 26, 2015
The way Cambridge brought all the interest rates down was incredible. We had put both of our kids to college on credit cards at the time and it was great that Cambridge was able to negotiate better interest rates than we could've gotten on our own. The $700 or $800 a month worked out perfectly. Excellent experience.
Reviewed Aug. 25, 2015
I heard Cambridge from someone who was into an honest business and that was the reason I decided to connect with them. The cost was okay. I sent my budget, they consolidated the debt and so it all worked out. Their people were friendly, knowledgeable, professional and helpful. They were able to lower my interest rate. I have finished the debt program and it helped.
Reviewed Aug. 24, 2015
We went to Cambridge once before a couple of years ago and they were very good so we decided to reconnect with them. The Cambridge team were very nice and polite and did very good in lowering our interests rate. We got rid of the debts we wanted to get rid of. I would recommend them.
Reviewed Aug. 23, 2015
I knew about Cambridge through a friend and decided to use their service. They were able to lower my interest rates, and I’ve got things straightened out now. I recommended Cambridge to a friend while I was still in the middle of my services with them.
Reviewed Aug. 22, 2015
My experience with Cambridge was easy and successful. They did a great job getting me a good interest rate, and I would recommend them.
Reviewed Aug. 22, 2015
They help me out a lot and will take care and help my credit. I enjoyed everything and probably in the near future I might have some more for them to do as I’m trying to get debt-free. I'll recommend them.
Reviewed Aug. 21, 2015
I had a wonderful experience with Cambridge. They babysat each and every one of our accounts to make sure that they were paid in full. We received an amount of money and we paid our accounts off way ahead of time.
Reviewed Aug. 20, 2015
I was falling behind on my credit card bills so I contacted Cambridge and they were able to lower my interest rates. I was really pleased with the whole situation as they did what I asked them to do.
Reviewed Aug. 19, 2015
We started with Cambridge and then paid them off much earlier than they anticipated. I have nothing but positive things to say about them. They really helped us out. We got rid of our credit card debt, and now we have one credit card that we've been using for four or five years. It's one credit card instead of a whole stack of them. I would recommend Cambridge to anybody who's got problems or finding themselves where they're struggling to get by. I knew that counseling was available, but what really had it work was they took over and made the payment. We just send one payment and didn't have to go through all the hassle with all the different agencies. I'd highly recommend Cambridge. It was wonderful.
We’re so happy to hear that you were able to complete the program sooner than you expected. Our goal is to make the process of paying off your debts as painless as possible and we’re glad that you experienced exactly that! You should be proud of yourself, not only for completing the program, but for learning how to live a more financially fit lifestyle. Please don’t hesitate to recommended us to your friends and family that may be struggling.
Reviewed Aug. 19, 2015
I’m glad I went with Cambridge and it was a good experience. I got my stuff together now and had everything paid off. I’d recommend them.
Reviewed Aug. 17, 2015
I couldn’t get the credit card companies to lower the interest rates on my own, but Cambridge was able to do that. They were always nice and friendly, and helped me get my credit card debt down.
Reviewed Aug. 16, 2015
We went through the program with Cambridge, and things seemed to go well for us, and I appreciate that. I would recommend them.
Reviewed Aug. 14, 2015
We needed to consolidate and pay off what debt we had so we connected with Cambridge. They were all very nice and helpful plus they got my interest rate lowered.
Reviewed Aug. 13, 2015
Cambridge was able to get my interest rates lowered. I had a very good experience and have recommended them.
Reviewed Aug. 12, 2015
We had credit consolidation with Cambridge and they were able to lower most of the interest rates while some were taken out altogether. The original representative that I had who got me started in the program was very pleasant. They made it easy and explained everything to me. Unfortunately, he passed away. But they were able to transition easily. Whenever I'd call and had a question, they were always able to get someone for me that was always able to help me out with whatever I needed. I've recommended them already to a few people.
Reviewed Aug. 11, 2015
I would recommend Cambridge to anyone having difficulties. I was able to pay off a lot quicker than I ever thought I would, so that's made a great difference in our life.
Reviewed Aug. 10, 2015
Cambridge was very effective and helpful and I appreciate the service I received. I had some bills that I needed to pay and they're paid. I would suggest to anyone that was in the situation I was in to call Cambridge.
Reviewed Aug. 9, 2015
We were doing a refinance on our mortgage and we heard Cambridge through the person we were working with. Cambridge was able to lower our interest rates. I got a few documents about how to do monthly expenses, getting established, and getting the payment going. My experience with them was fine because I was able to make my payments.
Reviewed Aug. 8, 2015
My experience with Cambridge went great. It was nice getting those bills taken care of. We're paid and happy. I definitely would recommend them to other people.
Reviewed Aug. 6, 2015
We inquired whether there was some place that dealt with folks who had unfortunately become overextended in their credit cards. We didn't want to be forced into anything, but we did want to try to take care of it. And our friend who is in the banking business in this area recommended Cambridge to us. We were assured it would be confidential and they were one of the best. We hadn't had any experience with anybody else at that time. We had been putting this up for quite a long while partly out of embarrassment and out of whether or not we were going to be able to get this under control without help. We decided that we needed to turn to somebody because the income coming into the house was not increasing because of retirement ages.
When I called Cambridge, I was greeted by a gentleman on the phone and he spent quite a bit of time attempting to reassure me. I had to be reassured that this was not any kind of game; that they were not a fly-by-nighter because I've heard an awful lot about different organizations that might crop up, and we had to be careful because we don't know when we're going to be facing an even worse financial mess after getting involved with a company like this. Even though it was locally recommended, I was feeling a little awkward and suspicious for no particular reason. Before the phone call ended, I felt more comfortable knowing that we could deal with them and that it wouldn’t necessarily get out in the neighborhood that we were in a deep problem with credit cards; $40K out of control.
We talked about the length of time that I wanted to be tied up with this company. It was no more than 60 months or 5 years. He said, “Well, that can happen.” I’m not sure if that's what they were restricted to. He kind of alluded to that. It was no more than that time period and we agreed to do it. In the beginning, we spent a fair amount of time continuing to talk with them because I continued to need reassurances that this was working. They spent some of their time contacting the creditors and kept coming back to me. There were 12 or 13 that they needed to appeal to and almost all of them agreed.
In the beginning, we were looking at each one of them lowering their interest rate and having me pay through Cambridge to resolve this debt. I don’t know what the convincing issue was with Cambridge to the creditor but it was such a feeling of relief when almost everyone of these came back and said, “Yes, absolutely.” There were 2 or 3 that said no because the program that we were then following was already at a reduced rate or because we were getting in on some introductory something. They said that while they’d like to help, it would be difficult to put us on this program because they couldn’t reduce the rate anyway.
At first to me it seemed to be very high. It was $696 a month to get rid of these. But when you sit down and look at the individual payments that we were required to make, the individual payments added up significantly higher if you continued to pay those rates. The 5-year deal that I had talked to them worked out perfectly well and it was a joy to work with them and live with our own pledge that no more credit cards. We threw them all away or cut them all up; made a little ceremony of that. We read the material that came in from Cambridge giving us information as we close each individual account that they did on our behalf. We get a note, and more often than not, there was 2, 3, 4 or 5 dollars credit left in that account. The company sent us a check for $3, ended up being in the credit. The most recent was through Sears, which ended up with $4.90 credit.
We would receive a letter from them or an email with updated information, offering tutoring or discussions about how this would work for us and how it was working. They also call asking if there are any problems or whether we were able to make the payment and we always were because that became our priority every month. Not that we didn’t have plenty of other bills. The $696 monthly payment freed up a little bit of money so that we could continue at the same rate of pay to give the other companies their payments. As I already understand we didn’t fall any further behind on any of them. I’m looking forward to closing all of those accounts. They were great with us.
I would give Cambridge recommendations anytime. Every one of the people that I talked to has superb training. We never got into another argument or a heavy discussion. We never even were embarrassed or ashamed because of the phone calls. I can’t speak highly enough about their customer relations. I had retired a few years ago from a newspaper. I’m a journalist and a politician because I was in a state legislature for a number of years. I can’t remember a single time in my years of education and also my 40 years in the newspaper where I was willing to give freely some highest ranking to a company. But with regard to customer service and the comfort level that we received, I would absolutely give Cambridge the highest.
When you fall as far behind as we were, and we’re not the worst, I’m sure you really don’t want this to go on your credit. We didn’t want to wait until all of the sudden our creditors came and beat on our door. While we were having a tough time paying the bills, we were not behind very far. We kept them right up to date but we were just running out of money every month. Cambridge saved our butts. I don’t mean to say that I would have been in Chapter 11 had they not been opening their doors at the time they were, but it was getting deeper and deeper. I had heard so many other experiences of once you get into a spiral you’re in a lot of trouble. That may have been true for us but Cambridge bailed us out. What an experience it has been. We put it up on the shelf and watched it every single day, and then all of a sudden one day it was over. Use Cambridge and feel free to do so.
Reviewed Aug. 6, 2015
I had a lot of credit card debt. On one of them, Cambridge was able to lower the interest rate. They were very helpful and tried to get the payment as low as possible. I didn't have any problems with them at all. My experience was great.
Reviewed Aug. 5, 2015
Back in 2008, when money got tight for people, there was a radio talk show on and they were talking about some of these places where they'll take care of your debt for you. They negotiate and offer 50 or 60 percent of what you own. The radio talk show host said that it wasn't the way to do it. There's only one place which can fix credits and that's Cambridge Credit Counseling. There's a lot of companies out there but he said, “That’s the only one that I would recommend." And that's when I contacted Cambridge. The representatives that I worked with were very helpful. It was a $50 startup fee and that was it. They explained the program. Everything was top-notch. I've recommended them to several friends and family and they've also gone to Cambridge.
Reviewed Aug. 5, 2015
My experience with Cambridge was good except for a couple of times when I couldn't get in touch with them. But when I finally did, everything was fine. It kind of puts you at a disadvantage when you ask a service to take over but I did and I'm so glad that I went to Cambridge. That was a great idea. I'm also glad I doubled up on my payments because we really got it going.
At first I thought that you just pay the amount and didn't have to pay the interest, but later on I found you do have to pay some interest. That was the only problem I had with them. But it was good and positive. I tried to get my sister to do a consolidation. I do have friends who did and down the line, their credit got really great. That's what I'm trying to do. I'm trying to clear up a lot of my cards so that I can get a better credit rating. I would recommend Cambridge Credit and I've done so.
Reviewed Aug. 4, 2015
They helped me through a lot and got me straightened out. They're very good.
Reviewed Aug. 4, 2015
Cambridge is amazing. I was looking online for something that was reputable and before I even went ahead, I checked the Better Business Bureau and everything was like A++. It was wonderful. Glen **, the first guy I spoke with, was extremely friendly, knowledgeable and very helpful from the beginning. What they told me was exactly what happened. I ended up completing everything early. I thought it would end sometime in October, and everything was cleared because I had good expenditures. We've recommended it to people that I knew who were having difficulty, and they went through with it because I was so happy. I rave about Cambridge.
Reviewed Aug. 3, 2015
The whole experience was great. Every interaction we had with Cambridge was good so we will definitely recommend them.
Reviewed Aug. 2, 2015
A few years ago I decided to try credit counseling so I went on the internet to find out which was the best credit counseling company for me. Cambridge was one of the ones that popped up and since they came up with the best reviews I went with them. With their help I was able to pay off my bills. They knew what they were doing. They called me and made sure that I understood everything and anytime I called them they always were able to answer my questions.
Reviewed Aug. 2, 2015
The representative I talked to at Cambridge Credit Counseling was a very nice person. It was a really good experience and I thank them very much for their help in overcoming my debts.
Reviewed Aug. 1, 2015
It has been a positive experience working with Cambridge. They were all very pleasant and courteous. Getting the interest rates lower than half a month consolidated payment helped quite a bit. It allowed me to pay off everything.
Reviewed Aug. 1, 2015
My wife used Cambridge Credit Counseling to reduce her debt prior to us getting married. Then I had a lot of credit card debts that were out of control and we went underwater because of the financial crisis back in 2009 - 2010. The banks wouldn't lower my interest rates but Cambridge was able to help do that for me. I talked to a representative, set me up, and gave me the plan. After that, it was simply them taking money out of my checking account once a month on a prescribed date. As I got closer to the end, I was able to pay off some of the cards early. I would call them and let them know which accounts were now zero balance. It's very easy.
We’re so happy to hear that you’ve had a positive experience with us! Interest rates are not ALWAYS something that we can lower for our clients, but it’s always a good thing when someone is able to receive that benefit. It is our goal to provide an easy, and stress-free, plan to get out of debt and we’re very glad that we succeeded in doing that for you. Please don’t hesitate to tell your friends and family about your experience with us.
Reviewed July 31, 2015
I decided to connect with Cambridge Credit Counseling because of the name. They did lower my interest rates. Their reps are clear, get to the point, and help me see what I need. They showed me how to manage my finances and not owe a debt.
Reviewed July 30, 2015
I did it through an automatic payment arrangement and it worked like a charm, a few years passed and I'm home free. Very satisfactory. Anyone I talked to at Cambridge was always very knowledgeable and professional. They explained everything to me.
Reviewed July 30, 2015
Cambridge did everything they said they were gonna do. The only problem that I had with them is when I first started. There are certain companies that don't take Cambridge or a third party check which I had known about. Some of them wouldn't accept it, but that's not Cambridge's fault - that's the bank's peoples' fault. I have went through this once before. For instance, I put in 15 credit cards and only 10 were taken. Now, I know they had some legal problems but they were great by me.
Since then, there was a change. They took every credit card I had and had no problems. I had missed two payments but I called them in advance to let them know. It was a matter of the taxes or the house dues and it worked out all right. We paid off $44,000. It's a little tough because you got to pay high, but everybody thinks, "Oh, I'm almost paying that now." But they don't understand that you'll be paid off in 4 years this way. Otherwise, your kids will inherit that debt. It took a while and now that we're debt free, we're still pretty good.
Reviewed July 29, 2015
Cambridge Credit Counseling were able to help lower my interest rates on most of my debts. I ended up spending about 50 grand and everything got paid. I didn't want to default on anything and that was the way that it would work. There were a couple of times when my pay dates fell on the wrong day. I called Cambridge and they changed it. Surprisingly, I never had any problems.
Reviewed July 28, 2015
I had a great experience with Cambridge Credit Counseling. The nicest part is when you're in situations where you need help, you feel judged sometimes, but there was none of that with Cambridge. They don't care how I got in this situation and they are just there to help which provides a refreshing feeling. There's also that feeling of compassion from them.
Reviewed July 27, 2015
I got in touch with Cambridge Credit Counseling to get rid of some of my credit cards because I had so many. They have lowered my interest rate, and since getting them, I have always wanted to get out of debt.
Reviewed July 26, 2015
There's so much embarrassment and shame you feel when you get stuck in this position where you have too much credit card debt but I found people at Cambridge very welcoming, understanding, willing to work with the program and get things done. Not dwell on what happened but how to move forward. It’s been a great experience, very helpful and has improved my whole life.
You’re absolutely right. The stigma attached to credit card debt is sometimes too much for someone to overcome. Admitting you need help getting out of debt is a crucial first step – congratulations on taking it! We make it a point to be accepting of all financial situations so that our clients understand we’re here to help and not judge. We’re so happy you were able to improve your financial situation and we hope you wouldn’t hesitate to recommend our services to your family and friends in need.
Reviewed July 25, 2015
My experience with Cambridge was great. When my ex-husband wanted to do it, I was really opposed to it. He said it would be better and more helpful to me. Then it ended up being a good experience all the way around. Obviously, it didn't hurt my credit, which amazes me. My credit rating is almost too good because I keep getting all these credit card offers. I don't give in to them but I don't like getting them either.
There hasn't been an issue with the payment or any kind of confusion with the process at all. Even when my ex-husband and I divorced and we split up the Cambridge account, it was pretty flawless. If I knew somebody that was really struggling financially, I would certainly suggest that they look into Cambridge. I bought a house at the end of June, on a Sunday when Cambridge was closed, and I needed a statement from them almost immediately. I called somebody at Cambridge and said, "This is what I need." They absolutely understood what I needed and emailed it to me. I sent it off to the mortgage broker and it was all good.
Congratulations on your new home! We love hearing stories like yours where our clients aren’t letting the stress of debt weigh down on them. Circumstances in life and relationships can be difficult and change on a regular basis, but that doesn’t mean the rest of your life needs to be difficult. We’re so happy to hear your transition was so smooth. Congratulations again on improving your financial situation and moving forward. You should be proud of yourself for reaching out when you needed help. We’re honored to have been the ones to come through for you. Please don’t hesitate to tell your friends and family about your experience with us!
Reviewed July 24, 2015
I wanted to consolidate my credit card, and pay it off. My mom referred Cambridge Counseling to me. Everyone was friendly, and they're clear about everything. I have no complaints about the customer service. They were able to lower my interest rate. Everything's easy, straightforward and helpful. Now, I'm more aware of my daily spending and not maxing out any credit cards. I have recommended Cambridge to friends.
Cambridge Credit Counseling Corp. Company Information
- Company Name:
- Cambridge Credit Counseling Corp.
- Year Founded:
- 1996
- Address:
- 67 Hunt Street
- City:
- Agawam
- State/Province:
- MA
- Postal Code:
- 01001
- Country:
- United States
- Website:
- www.cambridge-credit.org
