
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.
- 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 Sept. 8, 2014
Everything was wonderful with Cambridge and quick. I'm glad we were able to utilize their services to help us get through a trying period and the certificate is in the mail. It was a nice touch as well. The experience was great. They explained the program in detail and made it easy for me to sign up and answered any questions we had. We did reach out to them once for a letter of reference on our credit and they were able to do that quickly for us.
Reviewed Sept. 6, 2014
I recommend Cambridge. I was talking to my daughter-in-law about it because they're now in a bad way debt-wise and I said she should consider it, because it worked well for myself.
Reviewed Sept. 5, 2014
My experience with Cambridge was good. From the start, everybody was nice and everything went well. I kept it simple on my end; I could have gotten more in-depth with them, but I didn't and it was my choice.
Reviewed Sept. 4, 2014
Experience with Cambridge was good. It was really straightforward and no-nonsense.
Reviewed Sept. 3, 2014
We've used Cambridge before when we lived up in New York. This time we did it to consolidate our debt and to pay it off. The initial guy kept emailing us and took care of the paperwork and everything, until I was able to really have no interaction with anyone. We have no more credit cards to pay off now. The experience with them was exceptional.
Reviewed Sept. 2, 2014
Four years ago I contacted Cambridge for credit counseling. I heard about them from a friend who was going through the process at the same time. When we were first getting it set up, the gentleman that helped me was Sam. He was wonderful. He used a lot of empathy when he talked to me. He was very understanding and he did everything to get me on the right track. It was a great experience. It was something that I’m glad I got involved with. I finished the program and all my debts are paid and I’m set free. I learned a valuable lesson not to go down that route again.
Reviewed Aug. 31, 2014
I had lost my job after twenty-one years and my salary dipped to one-third of my salary. I didn't have the income to be able to make the payments on the credit cards that I was keeping and Cambridge was able to lower my interest rates and they were very professional. The guy I spoke to took all of my information and tried to give me the lowest payment plan possible, which was actually higher than what I could afford. I was able to gradually earn enough money so I was able to keep up with the payments consistently.
It's nice to be completely clear of my credit card debt. It was very helpful and comforting to know that I had a plan to take care of all of my debt, and they were willing to work with me as far as when the payments would be taken. I love the feeling of not having the monthly payments or having to pay the interest. Over time, it really doesn't matter how much money you have, whether you have a lot or a little, it's a question of managing it. Sometimes I don't feel that different from when I made three times my salary. It was a good lesson in that I could have a quality of life on a lower income. Cambridge referred me to another step, which is to help me do a better job planning my next goals.
Reviewed Aug. 30, 2014
I'd definitely recommend them to someone else. My experience with them was very good. I just hope that this time with our head above water, we learned a lesson.
Reviewed Aug. 29, 2014
I had a very good experience with Cambridge. I wanted to get my finances in order and they had a good reputation so I went ahead and contacted them. They were very thorough and very informative. They spent a lot of time on the phone with me several times. I talked mainly with the manager on several occasions and some other people, but everyone was very nice. They were very professional. Everything went well. I got my finances in order. Payments were made every month and everything was cleared up.
I'm putting money in the bank now, and our accounts are built up quite a bit, and we're handling paying our bills on time. My credit score is way up. We didn't have that credit score when I went with Cambridge but we have a very good credit score now, and we're very happy.
Reviewed Aug. 28, 2014
I sat down and talked to a family life pastor in our church about my burden on getting out of debt. He recommended that I try Cambridge Credit. I was looking for someone, a company that was reputable, that had good references, so once I heard about Cambridge Credit, I gave them a call. Eventually I was able to get rid of over $30,000 worth of debt, and now I am credit card debt-free.
If I didn’t have that type of an outlet or type of place that I could sit down with and sort through my debts and look at it from a different perspective and the fact that I could be debt-free in 4 ½ years and just help me work through that process, I think I’d still be where I was 4 years ago. I’m glad that there’s a place I could go and that was reputable that I didn’t have to worry about pouring all this money into and then at the end of the day losing all that money and be where I first started. Cambridge did what they said they were gonna do and they were great in the follow-up. I received emails from them every month. They let me know what the balance was that had been paid and how much was paid. I got emails from them letting me know the different products that they had available, videos that I could watch, information about mortgage rates and credit card information, etc. They also emailed me a couple of times just to do a checkup type of thing, where they asked me some questions about where I was in the journey of getting debt-free. I would recommend it to other people who are in the same boat that I was in to check them out.
Reviewed Aug. 27, 2014
A friend told me about Cambridge Credit Counseling. Since I wanted to consolidate my bills, I contacted them. It took me about 4 years to pay off my debts, I had to tear up all my credit cards, but I got them paid off. They were able to lower my interest rate and they were real good to me. When my husband passed away, I called them, and they took his name off of it. Aside from that there are several things I was really impressed with them about. (1) They never bothered me unless they need to, and they check on me once in a while. (2) They give my reports to me on time and I very seldom had to call them. If I call them they would always call me back and give me what I needed to know. (3) I had skipped one time and they were very understanding and I sent the money to them.
I’m more aware now of my spending and I hope I never get into that position again, but if I did, I would use them again.
Reviewed Aug. 26, 2014
I tried to contact the credit card people and got absolutely nowhere. Me and wife we were not in a bad situation, we were making plenty of money. It's just that we weren't able to pay down our debts and had to do something. So when I heard about Cambridge Credit Counseling on the radio, I got on the website, checked it out, and the rest is history.
Talking to the Cambridge reps gave me confidence that it was gonna be taken care of in the correct way. Working with them was a good thing, but it's hard to come to reality to really go and do that. It’s like baring your soul to somebody that you don’t even know. Believe it or not, it was a pretty painful thing and we were making two house payments a month - that’s what it literally boiled down to, so it forced us to watch everything we do. Nonetheless it was a life-changing experience! It was more than a great experience! They helped lower our interest rates and did a lot more. We were at 27-28% and they got it all the way down to 14%. We did not have a lot of extra money and all of a sudden we got an extra $900 laying around. We got a few hospital bills that needed to be taken care of, which in another month or two, they will be. There’s so much pressure or weight off our shoulders.
Reviewed Aug. 24, 2014
Things worked out just exactly like I expected it to with Cambridge Credit Counseling. We made our agreement and I stuck to my end. They stood up to theirs and everybody's happy. They were matter-of-fact friendly and knowledgeable too. They knew what they were doing.
Reviewed Aug. 22, 2014
A national well-known financial person highly recommended Cambridge and he said, "If you need help, these are the people to call." Based on my experience with the company, I would also highly recommend it to anyone that is in a situation we were. It has been really wonderful. When I had questions or needed assistance, whether it was through the phone or via email, I always got a reply and assistance.
We've learned a great deal now about how to be responsible, so much so we're about to open our own business. (A business loan has been granted to us and we're about to begin a new phase in our lives. It has been awesome.) It's been hard but we have learned to manage with what we have, and when we don't have, we don't get it. No more going into debt. We don’t use credit card anymore just for the sake of using credit card, almost never.
Reviewed Aug. 20, 2014
I signed up with Cambridge Credit Counseling because I was paying a lot of credit card debt. I don't have any credit cards now. I got rid of them that day anyway, but they're all paid and done. So it's good. After my initial talk with them, I really didn’t have much contact, just the email when they sent me my receipt monthly. So that was pretty quick and painless. And they were able to lower my interest rates. It was a great experience.
Reviewed Aug. 18, 2014
My friend, who previously worked with them to pay off debts, told me about Cambridge. It was great. I got all my debts paid off. It all worked out.
Reviewed Aug. 17, 2014
People at Cambridge were real pleasant and helpful. They were able to lower our interest rates. Working with them helped us paid off debts.
Reviewed Aug. 16, 2014
Overall, experience with Cambridge Credit Counseling was excellent. I met my goal and it was very easy. I didn't use all of the tools they made available, but I did look at them. Over the four years it took me to pay down my debt, they were very supportive. So it was a wonderful program for me. I received communication on a regular basis to check in to see how things were going. The monthly statements helped me to keep track of my decreasing balances. Whenever I called and had a question, it was answered.
Reviewed Aug. 14, 2014
I worked it out, I did it with Cambridge Credit Counseling. Overall experience with them was okay.
Reviewed Aug. 12, 2014
I've never been sorry that I contacted Cambridge Credit Counseling. It seemed like a long haul but I know it would have been ten times longer if I didn't have it. The main thing was I didn't get any more collection calls and have people call me for back pay - I didn't have to deal with that. It was nice to know that the bill was taken care of every month and there was some light at the end of the tunnel.
Reviewed Aug. 11, 2014
We were pretty much putting out payments that altogether were quite high and we were at the end of our spending limit and couldn't make any headway because of that. It was just crazy. So I looked for any kind of counseling that worked in a religious way, according to what the bible said and found Cambridge Credit Counseling.
Our experience with Cambridge was easy, pain-free – because it was already taken out of our account. It took some time to get it taken care of but that was because of our fault. But other than that, it was enjoyable and everything pretty much worked like clockwork. And in the beginning, the freedom to know that those bills are still getting paid and you know that it’s not gonna take every penny and you’ve got to do that... it gave us a little bit of freedom to go ahead and start putting some money in savings every month right then, right away.
We do not let ourselves get that extended anymore now. We put something in savings every month, every paycheck actually – or try to. Sometimes it’s every other paycheck but we do something every month for the savings. We've been able to have little more free money now and repair things around the house that we wanted to do.
Reviewed Aug. 9, 2014
I had several credit cards that were pretty high in interest rates, which I’ve used up to the max. And I was getting to an age where I need to get rid of my debt and start saving some money for my retirement. So I thought, “Well, it’s time to take care of this problem.” I thought of Cambridge Credit Counseling because, years ago, I worked in the same building in Agawam, MA, that Cambridge was in. I recalled it as being a good company to go to because one of my co-workers had used Cambridge. So I decided, “Well, let me give it a shot.”
There were a lot of interactions at first with the credit counseling team, but once I had everything up and running, there was no reason to anymore. I’m now debt free with all those cards and I’ve got that extra money being saved now, which is great. Rather than throwing it back in my regular checkbook, I’m saving the money that I was putting towards those cards. I definitely have less stress. I’ve had a great experience with Cambridge. It got me to where I wanted to be in a few years and I’m very happy.
Reviewed Aug. 8, 2014
I was having some financial difficulties and researched online. I saw the Cambridge Credit Counseling ratings and that's when I called them. I've had a lot of debt left over from the divorce that I couldn't financially afford to pay so I got involved with Cambridge to help me get this stuff paid off. They were extremely helpful. It made me realize in the process of setting it up of a bill that I had forgotten about because they had gone ahead and pulled my credit history. They were extremely helpful in putting all of my ducks in a row - what I owed. I told them what I could afford to pay and they put it all together based on that information. I've been unemployed and they have been wonderful to work with when I called and they've worked with me when I run into situations and I was going to have difficulty making a payment or two. They were fabulous. I would highly recommend them to anybody that I know that's having financial difficulty and needs to get out from under credit card debt.
Reviewed Aug. 7, 2014
I chose to connect with Cambridge because they had a good reputation and I was so far in debt. They were awesome. They were able to lower my interest rate. I finished after four years and I'm out of debt. So amazing.
Reviewed Aug. 5, 2014
I wanted to lower my monthly payments so I sought assistance from Cambridge Credit Counseling. My cousin told me about Cambridge as she had been using it. They were able to lower my interest rate and now I don't have credit card debt anymore. I've already recommended them a couple of times.
Reviewed Aug. 4, 2014
I used Cambridge Credit Counseling a few years back. I found out about them when I went online looking for credit consolidation services and said, “I’ll give it a try.” I wanted to get rid of the debt that I knew I was never going to pay off. It was just overwhelming, different things throughout the years of getting jobs and starting over. I didn’t have to interact too much with the counseling team. Once in a while, they’d call me and ask me to fax in a statement or document, but they were always pleasant, professional. If I ever had a question or needed to call or had any issue, they would always resolve it. I never had a problem with them.
So far, they were able to lower my interest rates and get me out of the great debt that I had. It’s manageable now, and I’m not overwhelmed as much anymore. If I had to do credit counseling again, I’d do it with the same company. I’d recommend them to other people.
Dear Morris,
Thank you so much for your review of our agency. It is our goal, here at Cambridge, to make every consumer feel comfortable, relaxed, and that their finances are in good hands. We are so pleased this came across to you.
By “giving us a try,” you allowed yourself to take the first step towards financial freedom, and that is something to be very proud of. Many adults are struggling in the effects of the economic downfall in recent years and it’s important that people don’t give up and let their debt drown them.
Congratulations on your success in the program! We wish you all the best!
Cambridge Credit Counseling
Reviewed Aug. 3, 2014
This was going back four and a half to five years now. Our credit card company had doubled or two and a half times the monthly payment that we were supposed to make and that put us in a panic. And that's why we signed up with Cambridge. I spoke with a lady rep two or three times on the phone and I had emails with also. They were able to lower the interest rate and we paid off all the credit cards. There were a couple of times when I got notices via email, like something about the crystal X report and I tried to respond. I sent some email reply and I didn't hear back from anybody. And it wasn't an urgent matter. So aside from that, I would say it was a very good program and helped us live within a budget.
Reviewed Aug. 2, 2014
I've used Cambridge Credit Counseling twice and I first saw it in an ad on one of the Christian magazines. I contacted them because I was trying to pay for my credit cards. I got in trouble with the cards and then got back in trouble with them. So I just wanted to combine them and get them paid off quicker. With Cambridge, I didn't get to talk to very many people but I receive my emails and stuff and everybody has always been real considerate and understanding. It's very helpful and I was proud of the success, the time that I got them paid off by Cambridge's help. It's all great. They were just wonderful with helping reduce interest rates and stuff like that. I had a very good experience.
Reviewed Aug. 2, 2014
My Cambridge credit counselor was very helpful. I got all the information and everything. I would recommend them. They were able to lower my interest rate. It was much better to make the payment.
Reviewed July 31, 2014
We got compromised twice with our credit and I wanted to do a consolidation so we decided to get Cambridge Counseling. It was a great experience and I really appreciated it. Everything was great. Everybody was always polite any time we had a question and they all worked with us very well. We really appreciate them helping us, working with us. It was very stress relieving.
Reviewed July 29, 2014
I decided to connect with Cambridge so I can take care of my credit cards. Working with Cambridge made a big difference. My experience with them was very good. It was nice not to have separate credit card bills with the horrible interest rate. And the times that I did have to call, everybody was friendly and helpful. The first person I talked to at Cambridge was really good getting me set up with the program and all that.
Reviewed July 27, 2014
I have a couple of credit cards that I wanted them to negotiate a lower interest and get them paid off. They take it right out of my account every month and I'm glad I got all the debt paid off. So I got out of debt and right now, I’m enjoying life and out RVing for a year.
Reviewed July 26, 2014
I decided to contact Cambridge because of the fact that I was paying minimums on a bunch of credit cards from my college days and not making a dent in them. Tim from Cambridge was real friendly. He gave me clear directions on exactly what I needed to do and we went from there. Cambridge lowered my interest rates on quite a few of the things we had going.
Since working with Cambridge, we have a little bit of savings started and we've been able to invest some more. Our experience with them was so smooth and easy and understandable. Everything was explained real good upfront. I knew exactly what was going on and it went easy and we didn't have any trouble with credit cards trying to charge us extra for late payments or anything. Everything just went like it was supposed to. I've recommended them to several coworkers and friends that were in the same situation as I was. Cambridge is simple and effective.
Reviewed July 24, 2014
My mother said that Cambridge Credit Counseling was good and I heard that other places could really rip you off. So I wanted to be cautious and went with them. It was crazy that I had to live by paying off my credit card and then living off of my credit card. I thought I shouldn't have so much debt and maybe it was not worth it so I put the cards in. And as of last month all paid off. They have always been very cooperative, very nice and very understanding. They have been great. The experience was liberating and calming.
Reviewed July 22, 2014
It was a great experience. They were very helpful when I set it up and it was an amount of money that was doable each month. Everything went well.
Reviewed July 21, 2014
The experience with Cambridge Credit Counseling was great and they helped me pay off my debt which is all gone and I'm very grateful.
Reviewed July 20, 2014
People at Cambridge were all great. I really have nothing negative to say about any of them. They were non-pressure. They were upfront and honest about what they thought they would and would not be able to do. Everything was very well-documented. There was not one surprise that happened during the whole entire process, and they didn't call me five hundred times asking me how I was doing, because obviously it was working so they weren't annoying, which is helpful. It really was great.
I know a lot of other people take other routes, and there was just a $50 a month fee to do it, but in the end it was so well worth it compared to other places that I looked at, which I wouldn't have done. They were successful on lowering all of my interest rate except for one. We totally have no credit card debt now. We just finished the program.
Reviewed July 20, 2014
I decided to connect with Cambridge because my debt had become unmanageable with the credit cards and I wasn't able to make the payments. Honestly, I preferred just pretending like nothing was going on and then I get through the payments quicker. I kind of avoided talking. They were able to lower my interest rates. I just finished paying all my credit cards off. I've got a lot more money. They were just helpful.
Reviewed July 19, 2014
I decided to connect with Cambridge Credit Counseling because of some credit cards I have. The Cambridge team was okay. They could talk to you about the problem, and explain and help you with everything. They were able to lower my interest rate, and I hopefully have more discipline. It was a good experience and I would certainly recommend them.
Reviewed July 18, 2014
One of my credit cards decided to triple my interest and I contacted Cambridge Credit Counseling for help. That's the only reason I couldn't keep up with it. And there was no reason for them to do that. My payments were always on time and always more than what the minimum was, and they just decided to take it from 6% to 24%. I could no longer afford the payments and I didn't want to get behind and get in trouble because all my other things were kept up. Cambridge took it back down to 6%, which is where it was to start with and I was able to pay it off. Everybody was fantastic. They asked me questions, gave me answers and asked me what I could afford. It was nice that they were there, because otherwise I would have been in trouble.
Reviewed July 17, 2014
When I first spoke with Cambridge, what they said sounded so good so I went with them. Everytime I talk to them, everything was positive. They were able to lower my interest rate and I got more money. We had a really fun experience with them and it's all paid off now and we're glad.
Reviewed July 17, 2014
Cambridge did a great job in helping me pay off my debt. I have a friend that was working with Tina at Cambridge and she gave me Tina’s phone number. My son was with Cambridge as well and I gave him Cambridge’s name. They were all awesome. Time to time, they wanted to see copies of what credit cards I was paying off through them. So I would just submit the information to them. But every time I ever spoke to anyone at Cambridge, they were extremely helpful and very nice.
As far as my financial thing, that’s just the economy now and there’s nothing you can do about it. They did nothing but help me. At least I feel like I can breathe again. It took me four and a half years to pay it off, but I have a lot of pride that I didn't claim bankruptcy and get from underneath it that way. I actually paid off everything through them and that gives me a lot more self-esteem and pride. They were very helpful.
Reviewed July 16, 2014
Cambridge Credit Counseling helped me out and they did a good job. They were not intrusive at all. The billing went through fine. Everything was great and pretty smooth.
Reviewed July 15, 2014
I was looking for a place to consolidate my credit cards. It was at the time when all the credit cards jacked their prices up and increased their interest rates like 10%. I just couldn't afford my credit cards anymore. I heard about Cambridge Credit Counseling on the local radio station and I went online. So I called them up and they got me a lower rate. Four and a half years later, I’m credit card free. It would have taken me over 20 years to pay my credit cards off at the rate I was going.
Everything was great with the Cambridge team. I was very satisfied. I've recommended it to a couple of my friends. The best thing they do is how much they can get off the credit card for you. They lower my one interest rate by I think 6 points. So that was a lot back then. What I liked about Cambridge is that they kept you informed. They try to give you all their financial help and how to cut back on things. They stay with you the whole time. I had to call a couple questions, find out how many payments and they're informative. That was the only thing that I wish they would have been more precise on - how many you had left.
Reviewed July 15, 2014
Cambridge Credit Counseling did what they said they would do and I was satisfied. I had debt that needed to be taken under control that I couldn't handle and they did it for me. I'm very happy with what they did and how we got our credit under control. Also the people at Cambridge were very nice over the phone It was a very knowledgeable experience.
Reviewed July 14, 2014
My experience with Cambridge was very good. They were very understanding. They did everything I needed and explained everything and gave me a lot of pointers and help.
Reviewed July 13, 2014
One of my girlfriends told me about Cambridge. I did previously get a consolidation loan and I didn't really want to do that again. I wanted to go deal with the creditors and stop using the cards basically. With Cambridge, it’s all automated. It’s a monthly prearranged debit out of my account so I don’t have to talk to people very often about it. And it’s nice that they got the interest rates lowered on all the cards. It takes away some of my stuff I have to do.
The couple of times I've had interactions with them, it was a little frustrating. I had a baby and I needed to skip a payment one time. The way they explained it was that it was no big deal and they would contact the creditors. We would skip a month and they would explain and we would get back to it. I started getting calls from all the creditors two weeks after we skipped the payment from two of the creditors. And the thing was there were maybe four or six creditors left on the plan. And they said, “Well these two, you have to pay, and the rest, they’ll let us skip...” It was incorrect information and I got calls from them nonstop. Other than that, it was easy. The plan itself has been helpful and wonderful to get out of debt faster.
Reviewed July 12, 2014
I learned about Cambridge Credit counseling through 'The Today Show' and contacted them for credit counseling. There is nothing derogatory to say about my experience with them. Nothing was negative.
Reviewed July 11, 2014
The experience with Cambridge was good and effortless. I didn't have any issues with them ever. I never had to contact them or call them. I just checked my statements and what they emailed me and it all went according to plan.
Reviewed July 11, 2014
I needed to consolidate my credit card debt and didn't really know what was involved in that. I had this friend who had just done it through Cambridge Credit Counseling. She said that they were reputable and got her really good rates and that she felt like you could trust them. I felt like that was enough and I didn't have to look anywhere else. Whenever I call, there's someone available and they are able to help me and figure out whatever it is that I need. They were very helpful. Being able to consolidate the credit was great. I didn't have to carry that kind of debt and they were able to get me better interest rates on those consolidated cards than the companies were giving me.
Reviewed July 10, 2014
I called a few different places about loans and things that I could do and then I heard about Cambridge and I thought that it was something that I could do and afford. The employee that I first talked to was extremely helpful. I felt like I was at the end of my rope. I was a little teary eyed at some point and she was extremely caring and helpful and understanding. And then every other interaction that I've had with other people has all been good. Everybody was nice, polite and helpful. I just gave a friend of mine Cambridge's number two weeks ago.
Reviewed July 9, 2014
I heard on a radio station an interview with a financial planner who highly recommended Cambridge Credit Counseling so I decided to connect with them. The experience was great. They helped me eliminate credit in four years and it was a reasonable way to pay it off every month. They consolidated into one payment and reduced the interest rate. That helped a lot.
Reviewed July 8, 2014
I used Cambridge Credit Counseling because I wanted to manage my debt and try to get it paid off. They're very friendly and I always received updates. I was very pleased with them. It just totally paid off the credit cards. I'm officially paid off and it's great. It has helped with our budgeting. It was very helpful and it helped me get back on track financially.
Reviewed July 7, 2014
At the time I was laid off my job and I didn't want to get behind with my bills. I was watching the Oprah Show one time and they were talking about Cambridge Credit Counseling and I wrote down the number. A couple of days later, I called them and I talked to the gentleman who explained the different things that I could do. Everyone that I talked to was very knowledgeable and really helped me. They explained everything to me and answered any questions that I had. I was concerned my credit score would be affected but working with them, it didn't - not that much.
Reviewed July 7, 2014
My wife told me about Cambridge Credit Counseling. I decided to connect with them because I was so far in debt and there was no way to get out of it. I called them for them to help me pay my credit debt off and that was about the only contact I had with them. They were able to lower my interest rate, and affect my lifestyle. If I don't have the money, I don't buy it because I don't have any credit cards.
Reviewed July 6, 2014
This is my second time seeking assistance from Cambridge Credit Counseling. I used them once before when I was younger. I decided to connect with them again because I just wanted to get things paid off quicker and with no interest on a lot of it or a really low interest made it easier. My interaction with the team was all worthwhile. I have no complaint. Everybody was really nice when I would call in. They were able to lower my interest rate, about half of them had no interest rate on them and the other half was lower, 6% or lower. They let me choose which I wanted to pay off first and which one I wanted to pay off next. I'm just glad it's done and I don't need it again.
Reviewed July 5, 2014
My husband had lost his job and he had been out of work for so long. It was just where we couldn't make it on his unemployment. At the time every time I kept turning on the radio it was talking about Cambridge Credit and everybody's testimonies. So I called just to get some advice and that's when she started talking to me about the program and everything... Marybeth, who I dealt with initially at the beginning, was just very, very good. She just let me know upfront what to expect, what to do. She told me some things to be doing as far as balancing our budget and all that.
They were able to lower my interest rate and I paid everything off in four years. I tried to be conscientious before of things that we had bought but now, I'm so much more conscientious on anything that I do. I look at interest rates. I look at if something were to happen to my job now will I be able to pay my bills? So it's made a big change as far as my life and how I see money. I definitely would and have recommended Cambridge to people.
Reviewed July 5, 2014
I decided to connect with Cambridge Credit Counseling just to pay off everything. They were very nice and helpful. Everything was very good whenever I called them. They were able to lower my interest rate, and I appreciate their help. I have recommended them to an old student.
Reviewed July 4, 2014
My experience with Cambridge Credit Counseling is A1 - the whole ordeal from the beginning, their very good specific people that worked and their communication is excellent and basically resolved my issues in five years. It's just fantastic. I had heard about them on 1100 WGAM where they said if you've got financial issues, to contact them. I was in a really bad shape. They went through and renegotiated a lot of my credit cards that had hyped up interest rates. Everything was done very good and very professional.
Reviewed July 3, 2014
I wanted to get rid of debt and figured the easiest way was like on a strict payment plan. One of my daughters had used Cambridge Credit and she recommended them. They were very helpful. The service was so good and it worked out so well. I've now turned over another credit card to them and they're working on getting it set up on a payment plan. It was a good experience and I'm using them again.
Reviewed July 2, 2014
The guy that I spoke with was very helpful. He told me the benefits of working with them so I thought it was a good idea. The team at Cambridge were generally very nice and accommodating. They were thorough. It made it easier to get my bills paid off.
Reviewed July 1, 2014
I learned about Cambridge through my ex-wife who also dealt them with them in previous years. I was very pleased with Emma (the person who helped me) and every time I called in to Cambridge everybody that I spoke with was very kind and generous. They were able to lower my interest rates. My lifestyle has been better although I still have my part-time job. I would highly recommend them to anybody with a financial problem.
Reviewed June 30, 2014
I had to consolidate on my credit card. I went somewhere else and found that I didn't like them. I was looking up through the internet and found Cambridge is in Avalon, and I'm from Avalon. I like that it's close and I'll be able to go down there and chitchat if needed. Everyone is always very nice and explained everything in depth. If I didn't understand something, I could call back a hundred times and they always were good with me. They got me out of debt too, so that's always good. Now I manage my money better and don't spend on impulse anymore. I'm happy to be out of debt. Cambridge is very helpful and I have recommended them.
Reviewed June 29, 2014
Our interest was so high on everything and we were making our payments. We weren't late on anybody but we weren't getting anywhere. We were just spinning our wheel. The balances weren't being reduced. We weren't charging any further. We hadn't for a long time but we were just staying above the water but just barely. So I did my research on the computer trying to figure out who I thought could help me and I found Cambridge Credit Counseling. I tried to follow up on that the best I could because even you read reviews, you don't even know if that's the real thing or not either.
Finally I was able to contact somebody. He made me feel comfortable or he gave me reading material. It was talking to him actually that made us decide to move forward. Cambridge Credit Counseling were able to offer reduced interest and made it easier for us to pay everything off.
Reviewed June 28, 2014
Cambridge, I think it was Henry. It was very brief. It was just the usual setup of what my budget was and what I could do and what position I was in for work and how much I had. They were able to lower the interest and then eventually paid off the debt. It was all a good experience. They have great customer service, attentive to my needs and the company rocks. I recommended them to other people and I am also suggesting it to other people who had issues.
Reviewed June 27, 2014
I had a family member who used the Cambridge Credit Counseling program. They had a good experience and it helped them pay down debt so I went with them. My experience was all very positive, very professional and right to the point, a really good job. They lowered my interest rates and now it's got me in a much better place than I was.
Reviewed June 26, 2014
I have nothing negative to say about Cambridge Credit Counseling. My sister-in-law was dealing with Cambridge and she told me about them and how it helps her out. She had a lot of problems with her credit. She said it was a great company and they worked with her well. She gave me the information and I called. The first time I got in touch, I had trouble getting back with them at some point. But everyone was nice and really, really friendly. I received calls when they told me they would call me back. Everyone was just friendly and it was awesome. It was a good experience.
Reviewed June 25, 2014
I got some sort of advertisement or a card in the mail from Cambridge Credit Counseling and I saw that they reduced the interest rates. I had three or four credit cards that were managed out, I had the intention to pay them down, and so for whatever reason, I called. I didn't know about their programs, so I listened to the lady and I listened to what the service involved, and I decided to give it a try. Before contacting Cambridge, I think I might have reached out to the credit card companies and asked them to reduce the rates and to work with me, but I didn't get their cooperation.
So I talked with Cambridge in setting up my account which was what's to be expected. Cambridge offered other services and what have you. And then I was laid off within the five-year period, I didn't have a job, so I had to stop the payments, like for one or two payments, and they interacted with Cambridge in those events and everything went smoothly. They were able to lower my interest rates. They were at 7% and they got them down to like 3% or something like that.
Reviewed June 24, 2014
I'd definitely recommend Cambridge Credit Counseling if I knew of anybody that was in a position I was in. It was just very easy and effective. I first contacted them five years ago. I was wondering if they could lower my interest rates. The interest rates was the reason why I couldn't make all the payments. They were able to lower my interest rates, and some of them were even zero interest rate. I love that I don’t have to pay $881 a month now. I feel like I’m being more responsible and now I’m putting some money towards retirement.
Reviewed June 24, 2014
We had a high credit card debt that we couldn't get down. The team at Cambridge Credit Counseling were all willing to help. They were able to lower our interest rate and we paid it off. It has worked out nice.
Reviewed June 23, 2014
I had a good experience with Cambridge. They were nice and lowered my interest rates.
Reviewed June 22, 2014
I can't keep up with the monthly payment so I decided to connect with Cambridge Credit Counseling. They just asked me questions, I filled out the forms, sent them in, and that was it. They were able to considerably lower my interest rates. So it's been real good now that it's all paid off. That's extra $200 a month.
Reviewed June 21, 2014
Cambridge always saved my neck. I had heard of them through a visually impaired friend. She got a credit card and never had an opportunity to do anything and so she enjoyed herself and then she had to pay. She signed up with Cambridge Credit Counseling and they were able to get her debt under control. I decided to connect with Cambridge because I had a lot of debts and my hours had been cut at work so it was a hardship. Any time I called and needed to talk to somebody and wanted an answer, I had it right away. They were able to lower my interest rates and got me out of debt, or how to manage it a little bit better. I was always so impressed with my counselor, John, because he was so persistent and helped me to enroll and he enlightened me. I really appreciate him being so persistent. He made a believer out of me.
Reviewed June 20, 2014
I connected with Cambridge Credit Counseling to pay off all my credit cards. The team was very good and very helpful. They were able to lower my interest rates.
Reviewed June 18, 2014
I wanted to lower the interest rate on our MasterCard, so I tried Cambridge Credit Counseling. I talked to John, and he was very polite and helpful. Cambridge was, indeed, able to lower my interest rate and helped us a lot.
Reviewed June 16, 2014
I found Cambridge Credit Counseling browsing through the phone book. We just knew we wanted everything put together - to get everything on one big payment and get rid of it because I wasn't getting anywhere and I wanted to get rid of it faster. Everybody was really nice to deal with and they set everything up for me. They made it a lot easier. It was tight the couple of months that we were on it because it was a high payment. But it was worth it, because even though it was a high payment, I’d be making that anyhow, but it got me somewhere because of the lowering of the interest rates. It’s gone and it will stay gone.
Reviewed June 13, 2014
I first saw Cambridge Credit Counseling on TV on Oprah. I called them to see if I could enroll in their program. I actually sought assistance from other institutions but a couple of creditors won’t compromise or agree with the program that I wanted for some reason. For these two, only Cambridge can handle it, so I just did it with them. I talked to the team at Cambridge Credit for a while. It’s been a long time since then, but I did finish the program.
From time to time, there’s the email that’s coming from them. They are friendly and knowledgeable. They were able to lower my interest rates with my two credits. But the rest, they can’t do anything about it. So far, my lifestyle is getting good now after working with Cambridge. They’re all good, they’re great. Probably, I can recommend them also.
Reviewed June 12, 2014
We made the arrangements with Cambridge Credit Counseling, paid them and they paid the creditors. They made good arrangements with the creditors, and we got it paid off. The experience was great.
Reviewed June 11, 2014
We did a search and sought assistance from Cambridge Credit Counseling to get everything in control. Working with them has definitely got us out of a huge jam - with the economy and everything kind of crashed down all at once. We had some initial conversations with an individual to help set us up and they were really helpful and walked through the program and everything. We really appreciate that Cambridge was there and was very helpful to get everything manageable and lower our interest rate.
We finished our program. It was about four and a half years and got everything done. We learned a lot from the experience and we were grateful to have that opportunity to get dug out from that hole. Overall, it was a big relief and a good experience. We've really appreciated the service. Everything went off without a hitch.
Reviewed June 10, 2014
The experience with Cambridge Credit Counseling was fine. It was perfect and I would recommend them.
Reviewed June 8, 2014
I was in debt and I couldn’t pay my bills anymore. I mean I could pay them. I was just frustrated with them because they weren’t going down. I would just make a minimum payment and I didn’t see anything going down... So then I decided to connect with Cambridge Credit Counseling. They were able to lower my interest rate. They helped me get rid of my bills a lot quicker. Otherwise, believe it or not, I would still have those bills, I would be paying those things for thirty years. I’m very satisfied with Cambridge. They were very professional and helpful.
Reviewed June 7, 2014
We were over our heads in credit card debts and Cambridge Credit was able to help us. They got everybody down to zero except for Discover card but we managed to pay it all off, so it’s good to have that dark cloud gone. Everything went very well.
Reviewed June 6, 2014
I had a really good experience with Cambridge Credit Counseling Corp. They got my interest rates lowered and I got all my debt paid off fairly quickly.
Reviewed June 5, 2014
Our experience with Cambridge Credit Counseling was good. We just finished it.
Reviewed June 4, 2014
I heard about Cambridge Credit Counseling on a news program several years ago. It was on the financial part of the news, they were saying good things about them. I've been out of work for a while and had some bills that were falling behind and thought I should do something before things get bad. So I looked them up on the Internet and tried to research them, and I decided to connect with them.
The team at Cambridge was very helpful. They seemed to have a lot of knowledge about this business in this industry. They made it easy to navigate where it's not easy to navigate with creditors. They were honest about things, they told the truth. They didn't tell me that I was going to go to sleep one night and wake up the next day and everything was gonna be great and fine. I finished their program, and it did what they said it would do. They were able to lower my interest rate, and now, I’m out of debt except for my house.
It was a great working relationship. I have nothing but good things to say.
Reviewed June 2, 2014
We had some credit cards that we are paying off and they kept raising the interest rates. I heard Cambridge Credit from my brother who used their service so we decided to connect with them and it was good. They were pretty informative and everything they told us was pretty much on the mark. We were actually even surprised to see that our debt was paid off sooner than we had expected. They were able to lower my rates and we're working towards getting a savings account both up. We’re very careful about opening credit cards. I've recommended Cambridge and if I ever needed them again, I would definitely go back to them.
Reviewed June 1, 2014
My aunt told me about Cambridge. She talked to the people and fixed it for me. I really had nothing to do. All I had to do was pay the bill, then they told me I was on my last payment. Cambridge is real good. I've been in debt and they got taken care of.
Reviewed May 31, 2014
I heard about Cambridge through a friend of mine. He was in the program for the same reason when I started it. He was very pleased with them, so I decided to go with them. The people at Cambridge were very kind, very accommodating, and their follow-up information is very helpful to manage to avoid getting back in the place of debt. They also would send those kinds of emails and informative stuff about budgeting. They were also very good about sending the monthly statements of what was paid.
Their follow-up is really good. We worked on four or five cards that I wasn't able to pay. They were able to lower the interest rates to almost nothing so that with my four and a half years with them, I was able to pay off the 5-45 thousand dollars of debt. If I find people that are in those situations like mine, they would be the company I’ll recommend for sure. Cambridge had given me peace of mind in being able to manage debt and pay off bills.
Reviewed May 30, 2014
Cambridge Credit Counseling Corp. was good and I would recommend them. My experience was everything they said it would be.
Reviewed May 28, 2014
My experience with Cambridge was good. They did what they said they were going to do.
Reviewed May 26, 2014
I was very happy with Cambridge and had a wonderful experience. I have recommended people to them.
Reviewed May 24, 2014
I was with Cambridge for five years and they helped me in paying down my credit card debt. They did a fantastic job. I’m thankful that I was referred to the Cambridge organization, and they helped me achieve what I wanted to achieve, and that’s to pay off my credit card bills, and they’re now paid off.
Reviewed May 23, 2014
Cambridge is pretty good. They were very good to me, very accessible. Any time I needed to call them, make arrangements, they were very open to that. Everyone there was very nice. I used to work in customer service so I know exactly what good customer service or the bad on it and everything they gave me was great. I'm very happy with them. I'd definitely recommend it.
Reviewed May 20, 2014
On TV, during a newscast, there was one of these financial segments and it suggested Cambridge Credit Counseling as one of the places people could go to so I decided to give it a shot. I had a couple of phone calls about what they did and it was what I was looking for. I didn't want any long-term situation and certainly didn't want to get into a lot of these places. I was satisfied with them and I was confident about that. The part that was enticing for me was that they were able to negotiate a lower interest rate for the accounts that I had, and also the fact that you can walk away from the program on a 30-day notice. I've recommended Cambridge to some friends of mine.
Reviewed May 16, 2014
I tried to get a hold of the credit card company that kept upping my interest rate even though I was always on time with my payments. They kept jacking up my interest rate without any reason, to the point where they had me at over 30%. I tried calling them many, many times to get it resolved. They wouldn't tell me they were jacking it and I didn't know they jacked up my interest rate and so I was just having a fight with them. I finally said, "Okay I've had enough. If you guys don't listen to me then I'm going another route". I searched around the internet to figure out what company to use.
The team at Cambridge Credit Counseling were very courteous the whole way. We just had initial consultations about what debt I had and what I wanted to put on it and were very upfront about their fees and everything. They were very easy to work with, so they gave me light at the end of the tunnel which was what I needed because I definitely not managing it. They did everything they said they were going to do. The bill got paid as needed. I never had any problems with them at all. It got to be worry free. I would have recommended them.
Reviewed May 15, 2014
I recently divorced and ended up inheriting a lot of debt from my marriage. I knew that I was never going to get these paid off if I don't try to get some help on the interest rate. That's why I called Cambridge Credit Counseling. I had just lost half of my 401(k) and gotten about $50,000 or $60,000 worth of debt plus I had agreed to pay for the home until it's sold because I didn't want my ex-wife taking my kids off with her boyfriend. So I continued to pay and I'm still paying on my home.
When I was married, the credit card built up to close to $100,000 total. They lowered the interest rate on one of the cards from 10% down to 3%. They talked to me about my situation and said they would do what they could to help. They let me know what they had been able to do with the interest rate and set me up on the payment plan and it was pretty easy and straightforward. It has improved my financial situation but I still have a long way to go because until I get this house sold, it's not easy. In the last four years, I've paid off a lot of debt but unfortunately I've had some issues come up with the house. They were very helpful in putting together a plan to help me get some of my debt paid off.
Reviewed May 14, 2014
Cambridge Credit Counseling is the best experience I've ever had in my life as far as credit issues, credit problems and credit management. I had credit problems and I was behind in bills and needed somebody to help me manage them and get them back in order. When I first joined the program, they called me constantly. They worked me on getting all the bills that I had right, how to arrange them and how we're going to go about paying them. The bill that I had problems with they addressed that matter the best they could. They tried to negotiate with the creditor. They were very helpful and they managed to get me a program set up and I just stuck to it. They lowered the interest rate and got all the bills paid off.
I've got good credit now and I'm managing my credit now. I'm addressing what bills I have and I've learned how to pay them on time. They were very helpful in helping me managing the credit issues in my life and my responsibilities. If I make a responsibility to stand up to, it means you have to honor that.
Reviewed May 13, 2014
All the ones I had were fine. I went to buy a house and Cambridge gave me updated stuff and gave me a letter saying that I have to make payments on all these cards to get approval for a house loan. They were able to lower the interest rate. Cambridge helped me get a house and get out from under some debt. It was a positive experience with them.
Reviewed May 12, 2014
Cambridge has been phenomenal. I had a wonderful experience. I've heard some horror stories so I was a little skeptical to choose them at first. But an old associate which is no longer with the company took care of me and it was wonderful. I've actually recommended about six people to Cambridge.
Reviewed May 11, 2014
I'm bipolar, disabled and bedridden. I had a caregiver that would sort through my mail and take all the credit card applications out and dispose of them so I didn't see them. Once she quit, I kept getting the credit card applications and then I kept signing up for them. And I had 22 credit cards and it was just nice when all the money was there. But once everything was maxed out and the interest rates increased, I was in this dark hole. I was at a moment of absolute desperation. I was paying off one charge card so that I could draw the money to pay off another charge card and I was hitting bottom really fast.
That’s when I found Cambridge Credit Counseling in the phone book. I called them and I was just hysterical. And the guy that I got a hold of was so kind, so patient, he calmed me down and told me that he could help me and we figured out everything that I owned money for and he set the figure at $186 a month 'cause I'm on a fixed income. He helped me figure out what I could pay each month and then for a little over two years, I paid $186 a month which they take right out of my bank account. And anytime I had questions, there was always somebody to answer the phone and help me. They were exceptional and absolutely wonderful. I couldn't have asked for a more pleasant experience. I have suggested them to numerous, numerous people that I know and a lot of people that I've recommended have signed up with them.
Once I paid everything off, they sent me this really cool certificate and it was like an award letter telling me how proud they were of me. The immediate stress relief was like a burden lifted off my shoulders. I knew it was gonna be a little over two years and it worked out perfectly. And now, I'm back on my feet again, now I have $186 more each month. I can't say enough good things about them. Everything with Cambridge has been easy, comforting, and great.
Reviewed May 10, 2014
I had a great experience with Cambridge. They helped me take care of my interest rates. I just finished paying it off like two years early. I'd recommend them.
Reviewed May 9, 2014
I was referred to Cambridge Credit Counseling through one of my credit card companies. I decided to go with them because I wanted to tear off my credit cards. My interactions with the Cambridge team were good. They were friendly and courteous, and they were able to lower my interest rate. Working with them allowed me to pay off my credit cards sooner. I'm actually glad it's over because I'm paid off.
Reviewed May 7, 2014
I contacted Cambridge because I was interested in finding out about it. I decided that I liked the arrangement and I did it. They were all pretty good to me. There was one month where I was not working and couldn't make my payment and they were able to help me out with skipping one and still being able to finish up. They were able to lower the interest rates in all of the things. We were in a situation where we weren't having any income for a while and then again another time and working with them has helped maintain and be able to keep up with everything without stressing and straining. I don't think I could have done it without them. They had made it easier to do and there was no excuses for me not to do it so I was able to get it done. Procrastination is like my middle name. It was a moderately painless way to get through this kind of situation and I ended up in a very positive situation by doing it.
Reviewed May 6, 2014
I listened to a radio talk show and there was someone from Cambridge Credit Counseling on that. I thought that perhaps I could get a better interest rate through them so I called them and they did me well. They were able to lower my interest rates. They would regularly call and email me and keep me abreast to where I was at and to ask if I had any questions or concerns and if I hadn't paid up anything that I hadn't told them. They were great and extremely helpful in helping me reduce debt and get back on my feet.
Reviewed May 5, 2014
Cambridge was great. They were very helpful. When I had questions they answered them. They set up a plan very easily for me to follow and everything just got paid off. I loved it. I suggested them to my boyfriend to use them and I've told many people about them.
Reviewed May 4, 2014
I think I first heard about Cambridge on the radio. It was so long ago. I connected with Cambridge because I had a high interest rate on a loan that I had and I think on a credit card or something and I was just able to see quite a bit difference in the loan amount percentage, the interest rate so they had helped. Everything was fine. Chris, he's a really nice guy but we didn't chat much because everything went smoothly but it was good. I'm feeling good. I definitely was able to get rid of the loan amount a lot quicker than if I were to stay with the actual company. Everything and everyone's nice and the debt's gone and I got all my letter and I was contacted right away if I had a question. It was a good choice.
Reviewed May 2, 2014
I ran my credit score and it was a little lower than I'd hoped it would be, and that's when I gave Cambridge Credit Counseling a call. They were super helpful and really nice and it was just a good experience. They provided good service and helped me accomplish a goal.
Reviewed May 1, 2014
My father went through Cambridge Credit Counseling before I did. I wanted to get rid of my bills a little quicker and they were able to lower the interest rate of one of my credit cards to 0%, one to 5% and another to 14% or thereabouts. I've only really talked to them the first few months. Every two or three months, they would call and see how things were - if I needed to make any changes or if there was anything that I wanted to add. It was good. I received a letter every month showing how much I had paid. It worked. I paid a lot off before I finished paying them. I was very satisfied with the experience.
Reviewed April 29, 2014
The experience with Cambridge Credit Counseling has been fine. I haven't had any problems.
Reviewed April 28, 2014
I was watching TV and Dave Ramsey recommended Cambridge Credit Counseling on a show where he was talking about money and how all others were rip-offs and they were recommended to be an honest one. I needed a way to get my credit cards paid off. Everybody was always helpful. Anytime I had a question, they answered the question. They didn't sugar-coat anything; basically they told you like it is. Working with them got me out of debt and made things a lot easier and I sleep a lot better. The best thing was they got me down to a reasonable interest rate. I'm very happy.
Reviewed April 28, 2014
Our experience with Cambridge was awesome. It was simple, easy, and manageable. Everybody I talked to was nice but I only talked to them twice since they set the whole thing up. I'd recommend them.
Reviewed April 27, 2014
I first heard about Cambridge Credit Counseling on the radio. I connected with Cambridge because I was just looking at paying off some of my revolving debt. My interactions with their team were great. They were pretty friendly and knew what they were talking about. Working with them was really good. For four and a half years, I've been off $50,000. They definitely were able to consolidate and lower the interest rates for me and deal with the credit cards that I had and were able to put together a complete program for me to be able to pay off my debt.
Reviewed April 26, 2014
We had some credit card debt and wanted to get rid of it so we contacted Cambridge. Interacting with their team has been real good. They lowered our interest rate a lot and helped us get out of debt. We have used them twice and were happy with our experience. I’d recommend Cambridge Credit Counseling to a friend.
Reviewed April 25, 2014
I was going through financial difficulties, and Cambridge has been great. They helped me pay off my cards. I would recommend them.
Reviewed April 24, 2014
I had more debt than I was happy with which I was managing except that because they were changing the law, they all bounced their interest rates all up to somewhere in the 20s. I was thinking that even though I was paying more than minimum payment, I was never going to get done. I was chatting with someone who said that their sister had done a debt management program and I looked it up online and read about which ones to use and how to look at them and did some research and chose Cambridge Credit Counseling.
I had very little interactions with them. There was one problem and that was because I had contacted them when the first debt was finished and asked them to apply that to the highest interest rate one and that did not happen. I would just check each month that the money had gone on in. I'd get the statement back and file it and I didn't look 'til quite a bit later and realized that that's not what they were doing. They were applying it to other ones. I did contact someone at that point. We figured out how I wanted it handled and it was taken care of. They were able to lower the interest on everything but this one that was very high, and that's why I wanted it paid off first and any extra to go towards it. Cambridge did what it needed to do and I was able to pay everything off in four years. It helped me to take care of the issue and get things squared away because they lowered the interest rate so that what I was paying was going a lot more towards principal and interest.
Reviewed April 23, 2014
I know our interest rate on our credit card was so high and we were trying to get it lowered. It has fallen behind and we needed help. Working with Cambridge Credit Counseling has made it less stressful to deal with the creditor. It was very helpful, it solved our problem at the time, helped us lower our interest rate on our credit card and helped us get it paid off. It was nice. It was automatically deducted; we didn't have to think about it.
Reviewed April 22, 2014
I was stressed, and a friend of mine was extolling Cambridge’s virtues so I tried them directly. The credit counselor and I stayed in touch by e-mail. I got a check in at least twice a year. One would call at least once or twice a year just to make sure everything was the same, nothing's changed, or I needed to upgrade or do anything. They follow through. I've made some other calls to some other places and I've had to do the follow-up myself to get answers. If I ever called and left a message, I send them an e-mail and I've always gotten a response. That was very much appreciated. Other than that, I ended up getting divorced and having to take some of the accounts off the program. They were helpful, were able to lower the interest rate of my credit card and now I am debt free. I don't have the credit cards anymore. I finished paying for them in February or March, so I'm good.
Reviewed April 21, 2014
I've learned about Cambridge in Good Morning America. I've never used anything like Cambridge in my life. I figured if it got on the Good Morning America, it’s okay. I needed to pay off bills. I didn't know where to go. I've never done that before, so I just dialed it up. They were very helpful and reassuring. Working with Cambridge was a great relief, and it paid off. I missed no payments, so if I need them again, I’d use them. But I don’t want to get into that mess again.
Reviewed April 20, 2014
They were able to lower my interest rates and I was able to speak to my Credit counselor anytime I wanted to call them. I would recommend Cambridge Credit Counseling.
Reviewed April 19, 2014
I went online and found Cambridge Credit Counseling. I would recommend them.
Reviewed April 18, 2014
I heard about Cambridge watching The View. They had a guest person on there talking about finances and they had mentioned them - Get Cambridge Credit. I called the bank to try to get our interest rate lowered, and the bank wasn't willing to do that. That's when I called Cambridge. I would get emails once every 3 or 6 months from Cambridge. They offered to call or they would call us for a check-up to make sure we were doing well. It has definitely helped relieve the burden of stress and the burden of so many bad choices with our finances. It is life changing and wonderful and they have great customer service.
Reviewed April 16, 2014
I'd heard about Cambridge Credit Counseling online and what interested me most about them was how they help people get out of credit card debt. And since I had excessive credit card debt and I wanted to lower it, I decided to connect with them. At the beginning, it was quite expensive, with lots of phone calls and whatnot. Afterwards they would send you a monthly statement about what was paid. Then they would contact you probably 3 or 4 times a year to see how you're doing, and you do that over the phone. They'd also give you online surveys as well concerning any situations you may have. They were quite helpful and provided lots of paperwork, educational information type of thing -- they had other resources through them, like their website they have for budgeting.
Working with Cambridge got us out of our credit card debt, which we're still out of. They lowered our interest rate considerably. Beside the fact that I have a lot more money, my credit rating is extremely good right now and now I'm able to basically pay for things with cash. It was a very excellent experience. I was extremely pleased with them.
Reviewed April 15, 2014
I went with Cambridge in 2009. It was through my best friend that I heard about them. My relationship with them is over now. The person that got me started at Cambridge set it all up. After that I got my monthly payments with some newsletter for the past four and a half years and that was about it. The payments came out routinely every month. I've never gotten a phone call. I did it all - a lot on my own.
Reviewed April 13, 2014
My experience with Cambridge was good. It was a tough time back then and Cambridge has certainly helped me. They took my money on a credit counseling type of thing and they helped save a court hearing for me. And then, I was just able to make affordable payments. Now three-and-a-half years later, I'm done. But I haven't seen if it came off my credit report. I haven't had a chance to do any of that yet.
Reviewed April 13, 2014
I had used Cambridge one time before. They helped me out then so I went back to them. They were able to lower my interest rate, have helped a lot of stuff and get out from underneath a bunch of debt I had accumulated. They sent me emails and stuff all the time. I would recommend Cambridge.
Reviewed April 12, 2014
At first I talked with my certified credit counselor at Cambridge several times. His name was Dan ** and I would really give him a lot of praise. He was wonderful. But then after that, I just made my payments. There wasn't anything to talk about that much because I was chipping away at that debt I was trying to pay off. We didn't need to discuss anything but they sent emails and things that were helpful. They lowered my interest rate and it was wonderful. Now that I've got my debt paid off, I don't need them anymore. They helped me a lot. I probably would have been a homeless person if they hadn't stepped in and helped me because the interest rates were going way up at that time and there was no way I could pay. There is no way I could have survived without their help. They are an excellent help and I appreciate the opportunity they are offering to people.
Reviewed April 12, 2014
Everyone at Cambridge Credit Counseling was pleasant and helpful. My interaction with the credit counselor went well. Working with them has relieved a lot of the stress. It was pretty painless and everything went smooth.
Reviewed April 11, 2014
I used Cambridge when I was in college. But at that point, I found it in a magazine. They were able to lower my interest rate so that was awesome. I was able to pay off my cards more quickly. Overall, I was very, very happy with my experience with them.
Reviewed April 11, 2014
Working with them so far is a lot less money. I was dissatisfied with them and the manner in which they handled the original set-up. They refused to allow me to live within my budget. But they were able to lower my interest rate - they eliminated that. I would recommend them to a friend.
Reviewed April 10, 2014
Cambridge bailed me out and I was out good. I'm glad it's done. I needed help and credit counseling, and I had heard of them on the radio. I took the number down and called them, and that started the ball rolling. It wasn't really necessary to talk with my credit counselor all the time. I received emails regularly with tips and advice and things of that nature, and that took care of things. I didn't have to really interact anymore. They lowered my interest rate and I knew what I had to do to pay the balance, but it took a lot of stress off my mind. I don't want to get in that kind of trouble again, but I know that there is a help out if necessary. It was a positive experience. I didn't think that the fees were too high and they were able to negotiable an amount that I could live with.
Reviewed April 10, 2014
Someone I knew was in a bit of debt trouble and they had mentioned Cambridge to me. I have looked into small personal loans and I couldn't find anything that could help me. I went with Cambridge and they have definitely helped. Before my pay checks were coming in and I was trying to pay extra on this credit card and that credit card, and before I knew it I was bouncing checks. I was trying to do the right thing but I was just buried in debt. I called Cambridge once when I got a raise and asked them if I could increase payments on my bills so I can make this a little bit quicker and it was very, very easy. They increased it on my biggest debt so I was putting a hundred more towards the principal every time I paid, and I thought that was really good.
Reviewed April 9, 2014
I interacted with a certified credit counselor once or twice and they were able to lower my interest rate. I whittled $107,000 down to nothing. It took a little while. As long as you held up your end, they did their end.
Reviewed April 9, 2014
I heard about Cambridge Credit Counseling on the radio. There was some financial analyst on it who specifically named Cambridge when asked for options when your credit card has piled up. Cambridge has certainly made things a lot better for me. They lowered the interest rate on most, if not all, of my cards. They took money out of my account every month. As a matter of fact, I just completed it about two weeks ago or this month and I'm debt-free. I never had to deal with a thing. They took care of everything.
Reviewed April 8, 2014
Cambridge affected our life in a very positive way because they were able to lower our interest rate, and we were able to just make one payment and then roll that over to the other ones to get everything paid off. The credit counselor was very good, very helpful and very encouraging. We could contact him as often as we wanted to. A few times we had to contact customer service and everybody was very pleasant and very helpful.
Reviewed April 7, 2014
I owed about $68,000 in credit cards. I had seven and I got notices on two of them that they were going to go to about over $1,000, and that was the first two notices. I knew there was no way I could do it. So I contacted Cambridge and they were very helpful. They got my interest rate down on four of them to 2% and one of the others was 3% and the other one was around 6%. And I was able to handle it then and manage it. I had been depressed and after all that, I feel great! It's wonderful. Marybeth was my counselor and she was wonderful.
Reviewed April 6, 2014
I've had an absolute positive experience with Cambridge Credit Counseling. I can't say enough good stuff about them. I'm able to get in touch with my certified credit counselor anytime I needed to ask a question and they were able to lower my interest rate on every single card, except for one.
Reviewed April 5, 2014
Working with Cambridge has made it a little easier to pay my loan and they were able to lower the interest rate. Overall, my experience dealing with them was good.
Reviewed April 5, 2014
I had heard about Cambridge on the radio. I had a lot of credit card debt. I'm an auto technician and I get paid by the job, and we were getting real slow at work so I was having trouble making payments. They were able to lower my interest rate. Working with them has been great. My credit cards right now are all paid off, so it worked out great.
Reviewed April 4, 2014
I went to Cambridge because I was already over-extended on all my credits so nobody would give me anymore credit or loan. Cambridge helped me look at making more wise choices with items I purchase. I just have one issue. It could be their software or whatever. When they set me up, it was based on a 12-month budget. When you get paid every other week a 12-month budget doesn't work. Because you're really on a 26-week pay period. That's the only downfall. Because it seemed like I was always trying to cram to make sure I had money on.
Reviewed April 3, 2014
I had a really good experience with Cambridge and have recommended them to a couple of friends. They really helped me get on my feet.
Reviewed April 2, 2014
Working with Cambridge was a positive experience and I'm glad we're done. I would recommend.
Reviewed April 2, 2014
If I had a question, they were very easy to get a hold of. I could talk to my credit counselor at any time. They contacted me once every two months to see how I was doing and send me emails on a regular basis and were able to lower my interest rate.
Reviewed April 1, 2014
I was very impressed with all the people at Cambridge. They were able to lower my interest rate and they have enabled me to get rid of that debt that I had much more easier than I would have if I had not had their services. My experience with them was very good.
Reviewed March 31, 2014
I had used Cambridge before. I've never had any problems. My credit counselor did every so often tried to make contact with me to make sure everything was going okay. Other people at Cambridge were all pleasant as well. Every time I've dealt with them, they've been real helpful with me. They answered my questions. They cared to check on me either through phone calls or written. Cambridge magnificently lowered my interest rate. I'd recommend them. It was a great experience.
Reviewed March 30, 2014
Having Cambridge was all right. Everything was fine. A friend of mine told me about them. He did business with them and I ended up doing business with them about four months after he did. I talked probably to the credit counselor half a dozen times to get setup, and only talked to him a couple of times after that. Cause we always made our payments. That money was always there and never had a problem getting it paid. I ain't saying we didn't have a problem getting it paid, but it was always in the bank when it was ready to take out. We just had to make sure it was there.
Cambridge lowered my interest rates on everything except two American Express cards. They lowered it on that too, but not as much as it was on the other ones. Overall, they did me good job.
Reviewed March 30, 2014
I heard Cambridge on a local radio station. I tried dealing with some of the creditors directly, but they wouldn't talk to me. I was a little bit of stress, just because I knew the situation I was in. We were not ever late or anything per se, but I knew things were getting to a point that they were snowballing on me. So if I didn't do something, I was getting buried. In a positive way, I was not having any debt anymore. But the one negative, although it doesn't matter right now, all the charge cards I had have closed the accounts now. So I got to start all over and get a new credit card or something.
Reviewed March 29, 2014
Cambridge was good. It got everything under control. I had a sudden unfortunate mishap in my family and our finances went in disarray. They helped me out with a lot of the billing and all the interest rates and everything. Anyone I hear that has trouble, I recommend Cambridge.
Reviewed March 28, 2014
I came to Cambridge first. I didn't have a lot of interaction with them but I could whenever I wanted to. I got the updates and suggestions and directions that they kept up with me with. I was happy with the experience. I got what I wanted. I got my bills paid without having to go bankrupt. It didn't seem to affect my credit rating at all.
Reviewed March 28, 2014
The people at Cambridge Credit Counseling were always friendly and helpful. I could talk to my counselor as often as I needed to. They were able to lower the interest rates and opened the door to a lot of opportunity... to a future without debt. Extremely helpful.
Reviewed March 27, 2014
Cambridge got me out of debt. I'm done with them now, so I was very pleased. If I had questions or anytime I needed the Cambridge credit counselor, I could talk to him. He was very helpful. At first I was a little concerned paying them at once on a fee but I got over the nervousness and let them take it over and I have been going out of debt.
Reviewed March 27, 2014
Working with Cambridge was fine. No problem whatsoever. We're finished with it so it was nice to have it when we needed it. I'd recommend Cambridge to a friend.
Reviewed March 26, 2014
The main reason I had to do something was because I was getting nowhere. I had three credit cards that I owed quite a bit on, and I was getting nowhere with the credit card companies as far as getting them to lower the interest rates. They would lower the interest rate on future purchases but they wouldn't do anything with the existing debt. Cambridge lowered it to about sometimes as little as a third of what it was. They definitely saved me a ton of money in interest. It was a good experience. I only used it for about two and a half years as I was able to pay off the balance I owed from proceeds of the sale of property I co-owned.
Reviewed March 26, 2014
Everything just went smooth with Cambridge so I only interact with a credit counselor when needed. Everything went like it was supposed to go. They were able to lower my interest rates. I would recommend Cambridge to others.
Reviewed March 25, 2014
I was watching The View some three and a half years ago. Someone came on talking about people having problems with bills and this guy recommended Cambridge Credit Counseling. I had been praying quite a bit before this; I needed help and I felt that was the answer and I made the call. I was ashamed that I got myself in such a mess, and then when I lost my part-time job, I was really in trouble. I wouldn't tell anyone what a mess I was in. But I was really at peace to call Cambridge, so I called them. It was unbelievable.
In one of my biggest bills with Wells Fargo they reduced the interest rate to zero, and then almost every bill was reduced to under 10 percent, around 7. With Capital One, they stayed at 12, but I was paying 29 in most of them. Working with Cambridge has been excellent. I've never been happier in my life. The guy that I worked with was wonderful and never made me feel embarrassed about what a mess I had gotten myself into. He was just very encouraging and positive and answered all my questions before I finally said yes. I had such a delightful experience.
Reviewed March 24, 2014
The experience was great. We could call or talk to anybody whenever we needed to. Everything was positive. We now have our debt completely paid in full and it feels good to be out of debt. They’re very good and if we know of anybody that needs that kind of help, we will send them to them.
Reviewed March 24, 2014
I talked with a certified credit counselor a few times. I didn't need to but any time I called for questions about payoff or anything, someone was always available. It was a wonderful experience with the Cambridge Credit Counseling.
Reviewed March 24, 2014
I would recommend Cambridge to anybody. They were fine. I was reluctant to call in someone like that but they were able to lower my interest rate. I never had any problem at all. They did a great job.
Reviewed March 23, 2014
I was at the point of having so much debt and unable to make my payments. I knew I was never going to get out of it because my interest rates were 20% plus and I felt like I had nowhere to go. I was really concerned with doing this because I had heard a lot of bad things and bad companies out there and that there could be negative reporting on your credit report because it was like more of a settlement than actually paying off the debt. But after I did all the research, I went to Cambridge because they were the most recommended. I had no problem with them at all over the course of the couple of years I did business with them. I probably called and spoke with Cambridge 3 to 4 different times to see where I was at and how it was going. And whenever I knew a couple of them where at the point of being paid off, I called and asked how it went. They explained everything to me that they would still pull the same amount out but would be making higher payments to my other creditors that were still owed. They were awesome. Every single interest rate was lowered to about 1% except for one. They were helpful. I was able to speak with the counselor that I had originally setup my account with. I had a great experience with them.
Reviewed March 22, 2014
We were buried in credit card debt and I wanted out of it. I heard that Cambridge was one of the more respected organizations. I called them. We worked with them and they turned out to be fantastic. They were very efficient. Every month I got a statement from them and they checked in every once in a while, wanting to know how we were doing. I was very happy. It was just a good experience. It was the best thing that happened credit-wise. We've got all our bills paid off and they handled the whole thing. We never had any problems meeting the payments. The program that they had set up was something that was doable.
Reviewed March 21, 2014
The experience with Cambridge Credit Counseling was good. I was in debt and I wanted to get out of it. They would keep me accountable and they would check in on me just to see how it was going.
Reviewed March 20, 2014
Cambridge worked out well for me. The correspondence was great. I was able to contact them as often as I needed and once we got the whole thing set up, it ran pretty smoothly. You paid off a debt and you moved on to the next one and you got the documentation, and it all worked out well. We had a couple of debts where the interest rates were lowered. I’m glad we stuck with the program and got that paid off. They were very helpful. It’s nice to know that it’s done. I was pleased with the whole situation.
Reviewed March 19, 2014
I found Cambridge Credit Counseling in the yellow pages. They were just always professional and always nice. I could talk to my credit counselor anytime I needed to and they were able to lower my interest rate.
Reviewed March 18, 2014
It was through a mutual friend that was going through what I was going through that I heard about Cambridge. I was just stressed out about bills. They made it more affordable, because obviously I never wanted to or intended to do bankruptcy and it felt good when that was paid off. I didn't need to interact with them very much; they randomly call and check on me, but it's hard for me to call back because of my job as it rang the hours when they were open. In the beginning, I talked to a couple of different people just getting my stuff ready for payment, but it was all fine and there were a couple where they did lower my interest rates. It was a great experience. I'm relieved of stress and I was able to chew off my debt without filing bankruptcy.
Reviewed March 18, 2014
We heard about Cambridge through our Employee Assistance Program. I often interact with my credit counselor. Cambridge people were very helpful. They were able to lower my interest rate. I highly recommend Cambridge.
Reviewed March 17, 2014
We thought we had so much debt that we would never get out from under and had just reached that point that we thought we needed to do something. I happened to hear that guy on the radio who deals with finances and he recommended Cambridge Credit Counseling. The first guy I talked to was very nice. I felt like I had more debt than anybody in the world, and he wasn't judgmental. He said, "We'll come up with a plan and the solution, and well get this all paid off." He had a great attitude. It was a wonderful solution for us.
Reviewed March 16, 2014
I was stressed and overwhelmed of meeting the bills and keeping track of them. Then I saw Cambridge Counseling on The View. My interaction with Karen was very positive and made me feel hopeful. Felt concern. It made me feel like it was possible to pay down this huge credit. I never had problems if I called as often as I wanted to. It was an honest and trustworthy company. I felt at peace. They helped make it possible to pay down debt that I was just chasing my tail before we got into the program.
I had talked to another company to help me with my debt and it was stop paying for everything for six months and then pay at $29.99 till it's all paid off. It was like get really bad credit and let everything default.
Reviewed March 15, 2014
I had the need to get rid of a couple of credit cards. Interest rates were getting out of hand and I just happened to have heard of Cambridge talked about on the Janet Parshall Show. They were able to lower interest rates and have gotten rid of the debt. We're done with it and it was a great experience with them.
Reviewed March 14, 2014
I'm glad I chose Cambridge Credit Counseling.
Reviewed March 14, 2014
I was researching different opportunities for credit counseling because I'm getting up there in years and I wanted to get my debt down to a level that would enable me to start saving for retirement which I haven't been doing. I found out about Cambridge from my step son and one of the reasons I went with them is because they were recommended to me by family. I talked to my credit counselor as much as I needed. If I had a question and Cambridge didn't have the answer right away, they would follow up. Then they would either contact me by phone or by email saying, "Did we answer your question adequately?" They were very, very professional.
They were also able to lower my interest rates significantly. We made our last payment on February 15th so now I'm pretty much debt free. And then they've called me twice since then to congratulate me and say, "Thank you for completing the program. It's a very difficult thing to do." They even follow up after you're finished with them. I would recommend them to family. That's how happy I was.
Reviewed March 13, 2014
It was a great experience with Cambridge. I was very happy with them. The only thing I ever talked to them about after I had set it up initially was updating balances. They were always courteous and easy to work with. They explained my options thoroughly and set up my account with no problems. And they were easy to contact when I needed follow-ups.
Reviewed March 11, 2014
I was watching The View when I learned about Cambridge being one of the best in credit counseling so I called them. They were able to lower my interest rates more than I could do. They're just great. They did a good job. They got my interest from 29% down to 7%. And I tried negotiating with them and they just wouldn't budge. And set up a reasonable payment plan. Everyone I dealt with there was great. I managed to get it down low enough to where I could pay it off and called and told them what I was doing and they just said, "Okay, send the check to us." So they took care of it all for me. They were very helpful. They educated me on stuff I didn't know. Anytime I had a question, they had the answers. Everybody I talked to was just very informative and really nice about everything. I would recommend Cambridge to anybody anytime. They were fabulous.
Reviewed March 10, 2014
Cambridge was good - good service, polite people, respectful. They took care of us.
Reviewed March 8, 2014
A friend of mine told me about Cambridge. Everybody that I talked to was nice. Every time they would email that they got my payment and that this was taken care of. I didn't have any problem with it. If I had a problem, I would email them back. Cambridge helped me out very well and was able to lower my interest.
Reviewed March 7, 2014
It was a great experience with Cambridge Credit Counseling.
Reviewed March 5, 2014
Cambridge Counseling was extremely helpful getting started. We set up an automatic bill paying and it was really simple. I just had to make sure I had the money in the account. I was making my payments regularly so I really didn't need to talk to anybody often. I don't have debt anymore. It's tremendous. It was very accurate, very complete, and it was very easy.
Reviewed March 4, 2014
I had gone through some program that my employer has where they had referred me to a financial advisor. I had also researched the possibility of bankruptcy. I had done that first and then my supervisor who had used Cambridge Credit and told me about them. So I spoke with Cambridge Credit and I decided to take that route. Anytime I needed to speak with my credit counselor, I was almost always able to get to him that same time. There were one or two times that I had to receive a call back but it was very easy to get through. And they were very pleasant to work with. Even after I'm finished, they're still easy to reach.
Every one of my interest rates got lowered. Most of them got lowered down to zero. And the ones that didn't get lowered down, they were so minimal. The first couple of months, it took a while before payments started going in before the interest rates got adjusted. Then four of them right off the bat went down to zero. There was one that didn't really budge. They did reduce it but it went down to 9 point something percent. But they had been up to 30. The others went down to 2% to 3%. More than 50% of them went to 0 and then a couple of them went to like just a token amount of interest. The interest was very minimal. I would recommend them higher than a 5 if possible. I received a couple of phone calls from them since I've been okayed off telling about another program that's available that I plan on following up with. They were excellent.
Reviewed March 3, 2014
The Cambridge team was very helpful. Any time I called, they got right to the problem, if I had one, which I didn't. If I had questions, they answered them or sent me to somebody that could. I was very pleased with them.
Reviewed Feb. 28, 2014
The experience with Cambridge was rewarding. I would do it again if I had to. I hope I never have to. What really astonished me with them was how they knew at the end just how much was due as everything was coming off. A lot of places didn't. They just took your money but Cambridge had it really down pat and I was really impressed with their professionalism.
Reviewed Feb. 25, 2014
I had no problems with Cambridge Credit Counseling. They were okay. They were able to lower my interest rates. I would recommend them.
Reviewed Feb. 23, 2014
I heard about Cambridge online and got in contact with them because I was trying to take care of credit card debt. I set the account up and they made the payments, and they were very, very helpful. I was very grateful for their service and I am very appreciative of it. It was a very good experience and they were out to help people who need help.
Reviewed Feb. 22, 2014
The banker at Huntington Bank recommended Cambridge. We liked to clean the credit cards up. This banker knew of them and knew other people that had good experiences in the past. Cambridge has real nice people to work with. Basically after we got started on it, they just did an occasional follow-up. But they kept in contact but didn't pester us or anything. I was real happy. They got to lower interest rates, they got everything down to three or four different cards, anywhere from maybe the highest was 9% and they got a couple of them down to 6%. I was real pleased with the way Cambridge handled things.
Reviewed Feb. 19, 2014
It's best to use Cambridge Credit Counseling if you can't get your interest down and the monthly payments are too high. They sent me updates monthly and they called a few times, but everything was done so smoothly, I didn't have any questions or need anything. They did keep in contact with me through email.
Reviewed Feb. 16, 2014
My sister-in-law and her husband had gone through Cambridge for their credit card and It was fine. They were very helpful and worked with me and did what I needed them to do.
Reviewed Feb. 13, 2014
We had a friend that had used Cambridge before and really liked it. We had some credit card debts, so me and my husband when we got together put our credit cards together and consolidated it into one payment, so we could pay it off. We called and everything was great and worked out, so we did it. Their team was awesome. Everybody was very helpful and anytime I had a question, I called and everything was answered. Overall, great customer service.
Reviewed Feb. 11, 2014
I'm very grateful with Cambridge Credit Counseling. It's a life-saving program. I was very pleased with everything. My payments were affordable and I was able to make them every month. I had no problems and I'm very relieved that it's done and over with. I can start saving some of that money that I was paying them every month. So I'm in a very good position here right now. It's wonderful.
Reviewed Feb. 8, 2014
I'm very happy with Cambridge Credit Counseling. I had heard about them through a friend for the consolidation use. They were always very nice. It was very effective and it did what it was meant to do.
Reviewed Feb. 7, 2014
I was in dire need of getting my finances in order. Debts were piling up and I decided to call Cambridge Credit Counseling to give them a try, and I liked them. The monthly payment was affordable to me. But they worked out for me, and I'm done with the program, and I'm very happy. December was my last payment. They were excellent and it's an excellent company.
Reviewed Feb. 6, 2014
Cambridge Credit Counseling provided me a cheaper way to try to get out of debt instead of being charged outrageous rates. They let me do my payments at the amount that I could and they were nice people. They did pretty good.
Reviewed Feb. 5, 2014
I heard about Cambridge Credit Counseling from my cousin. She told me about how good they are so I decided to try it. They've all done an excellent job and I would recommend them.
Reviewed Feb. 5, 2014
Cambridge Credit Counseling was very helpful. They set me up because they knew that my debt was so bad at first. They didn't charge me any kind of fee nor did they ever the whole time that I was with them for close to five years. So I never had to pay anything more than the actual debt that I was trying to pay off. And then about two or three years into it, I lost my job. I told them, "Look, I'm not going to be able to make any payments as much as they are. Can we renegotiate with the credit card companies?" They went and did that for me and got my monthly payment lowered a couple of hundred bucks.
Reviewed Feb. 4, 2014
We were just overly strapped. We were paying our bills and mortgage payment and doing the things we were doing but we weren't getting ahead. I noticed that we'd never ever going to get rid of these credit cards and the goal was obviously to pay these creditors off and give them their money which they deserve. I just knew that at 22%, 23%, we'd be paying for 60 years until I was probably dead in the ground. And honestly, I was at work and honestly heating some food up and I'm looking at the board that says minimum wage and says all those kind of back injuries last year and all the crazy stuff.
Right then and there, it said something about the Cambridge Credit thing and credit counseling and there's a list of like a whole bunch of bulletin poster board type thing and Cambridge Credit was one of the ones that was on it. It did look like it was legit. It said Better Business Bureau rated. So I started thinking about it, talked to my wife about it, came home, and made the phone call. And she got online, checked up the Better Business Bureau about Cambridge, and we found out some information and realized after talking to them on the phone that this could be really helpful and that's what made us get into it, involved.
We started off with Tony, who he gave us the information. They contacted us for the first couple of months and showed us some information, things we could do to budget or things you could do to do things differently. At that point, he just told me he think we’re doing pretty good. We've got things in order. This money is disappearing. It was automatically deducted obviously and it was just disappearing and paying off. And then we get the statements from credit card companies in the mail and noticed that stuff was disappearing slowly but surely. And we called a couple of different times to see where we’re at, where we were standing, how things were, and everybody we ever talked to was fine.
We're done with the program now. It was a good experience. I could never have gotten where we are at right now to have an extra thousand dollars in our pocket right now with a new baby. Just Looking back at it, we paid the company 50 bucks a month for this. You add that up over whatever it was, four years, it comes out to a decent chunk of money but it was worth every bit of the two thousand dollars because there's just no way in hell I would have ever gotten it paid off in time. And for those three or four years that we didn't have it, we didn't use a credit card. Christmas time came, the money was there, we used it. We didn't. Our savings account is growing. It just feels good to be that free. We are always very pleased about the way it turned out and really appreciate what Cambridge Credit Counseling did for us.
Reviewed Feb. 4, 2014
Cambridge people were straightforward and seemed nice and understood what was going on and explained it well. They were able to lower interest rate on almost everything. They were understanding, easy and helpful.
Reviewed Feb. 3, 2014
Cambridge Credit Counseling was on the radio and I thought it will be a good idea. So I gave them a call and they called me back and the rest was history. So I signed up for all the cards that I had. They were able to make everything more manageable and lowered my interest rate. My interactions with the people over at Cambridge were fine. Working with them was very good. I got rid of my credit cards. Overall, I think it’s a good experience just getting away from when you're overwhelmed with debts and didn't know which way to go. The more you pay, the more interest you’re being charged. I think it’s a good way of getting out of debt.
Reviewed Feb. 3, 2014
Cambridge Credit Counseling was very professional, and they did a nice job.
Reviewed Feb. 2, 2014
I would highly recommend Cambridge Credit Counseling Corp. to a friend.
Reviewed Feb. 1, 2014
Cambridge Credit Counseling is absolutely wonderful. They are one top organization. They never bothered you and they were helpful. It was just the best thing I ever did!
Reviewed Jan. 31, 2014
Cambridge Credit Counseling was helpful. Interaction with them went fine. They were able to lower my interest rate and be able to pay off my loan.
Reviewed Jan. 30, 2014
Cambridge Credit Counseling is good, perfect. I got to Cambridge Massachusetts ironically for some graduate school and Mom knew I had a lot of credit card that I needed and she connected me with them and then a gentleman called me from Cambridge and he started the program. The initial setup call was very helpful and he described he just keep following up with me because I was new in the city here and at that time I was sneaking behind the stairways in class to talk to them because they have to call during the regular hours, but then found that it was a very pleasant conversation and the individual wanted to help, the same person which is really neat, and followed up with me and eventually signed me up. They were able to lower my interest rates.
I needed to make less payment maybe a few years back down the light and they said, "Okay, let's check with the bank", and they did and they were able to make the payment less. I would love to have my dad and my sister go through it now. I'm really focused on getting their credit.
Reviewed Jan. 29, 2014
My mom saw something about Cambridge Credit Counseling on The View and I was still a little in debt and she leaned on me to go that way. They did get about 30 bucks a month for me for themselves and I didn't have payments all over the board like I did before. I am not unhappy with them. If I had a little bit better money discipline at that time, I would have probably not done it. They did help me. Nicole was the one who I dealt with and was very nice but at the end of the day, it took me three years or so to pay all that stuff down. You are supposed to pay more than what they pay and I didn't catch onto that at first. They basically just pay the low ball on your credit card. You are not really making much headway unless you start knocking stuff off on your own which I finally started doing and that is why I got my Home Depot card paid off, my Best Buy card. I'm paying the extra, but I wouldn't say its predatory, but it's a mixed bag.
Reviewed Jan. 28, 2014
Cambridge were helpful, easy to contact and knowledgeable. Once I got set up, I hardly ever had to contact them because I kept getting the monthly reports from them. And at the end, it was very complete. Everything I needed to know was right on my report. And then my debt was cleaned so that's good. Everything worked out good. They asked me if I had any more debt and I said No. Theirs would be the first name to pop into my mind if I heard something or where somebody needs some help.
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
