Consolidated Credit Reviews

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Edited by: Amanda Futrell

About Consolidated Credit

Consolidated Credit is a debt relief and credit counseling company with over 30 years of experience. It offers comprehensive debt management programs to help consumers pay off credit card debt and get back on track financially.

Consolidated Credit works with most major banks and financial institutions in the U.S.

Pros
  • Over 30 years of experience
  • Works with over 1,600 creditors
  • No enrollment fee or charge for initial call
Cons
  • Monthly fees are a bit high
  • No online application process

Featured Reviews

San Antonio, TX
Verified purchase
Tatiana was great. Very helpful. She went above and beyond with solutions to help get my debt paid off. It would be nice to be able to just deduct the amount owed since you alread...

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Fort Kent, ME
Verified purchase
All staff are courteous and friendly. Debt consolidation is a hassle but not with Consolidated. Looking at what your credit score is embarrassing to me but there have been no judg...

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What is Consolidated Credit?

Consolidated Credit is a debt relief and credit counseling provider founded in 1993. The company offers comprehensive debt management programs to help clients get their debts paid off and their finances back under control.

Consolidated Credit works with over 1,600 creditors, including most major credit card companies, banks and retailers in the U.S.

How does Consolidated Credit work?

The debt relief process with Consolidated Credit starts with a phone call. This initial consultation and credit counseling session is free of charge, and there’s no obligation. The company says the call typically takes 30 to 60 minutes, during which a credit counselor will walk you through your options.

If you decide to move forward, you can enroll in the Consolidated Credit debt management plan. The company contacts each of your creditors to request lower interest rates and fee waivers, but you still repay the full balance through the debt management plan. You make monthly payments to Consolidated Credit, and it then distributes those payments to your creditors.

The Consolidated Credit debt management plan generally takes 36 to 60 payments to complete.

Consolidated Credit services

Consolidated Credit offers two main services: credit counseling and a comprehensive debt management program. The company’s website provides a number of resources to help educate consumers on financial matters.

Consolidated Credit also offers specialized credit counseling and financial education services in the areas of housing, corporate financial wellness and money management for military personnel.

» COMPARE: Top-ranked credit counseling services

Consolidated Credit costs

There’s no charge for the initial credit counseling call with Consolidated Credit. The debt management plan does carry fees. How much you pay each month varies based on the state you live in.

The company states that the average monthly payment is $40, with a maximum of $79, regardless of location. These fees are included in your monthly payment to the company.

Consolidated Credit FAQ

How does Consolidated Credit affect your credit?

Consolidated Credit’s debt management plan should have a neutral or even positive effect on your credit. Since it’s not a debt settlement, the overall long-term impact should be minimal.

How long does Consolidated Credit’s debt management plan take?

Consolidated Credit’s debt management plans typically take 36 to 60 months to complete.

Where is Consolidated Credit available?

Consolidated Credit is available nationwide.

Is Consolidated Credit legit?

Consolidated Credit is a legitimate debt relief provider. The company has been in business since 1993.

Do we recommend Consolidated Credit?

Consolidated Credit is an excellent option for people who want to get out of debt without a significant hit to their credit score. The company has a tremendous amount of experience in this field.

That said, those seeking debt settlement will need to look elsewhere. Consolidated Credit doesn’t reduce the amount you owe, and its monthly fees are slightly higher than some competitors.

Consolidated Credit Reviews

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    2 featured reviews
    How do I know I can trust these reviews about Consolidated Credit?
    • 4,808,390 reviews on ConsumerAffairs are verified.
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 5
    Verified purchase
    StaffBilling

    Reviewed Oct. 3, 2025

    I am very satisfied with Consolidated Credit. From the very professional agents who set my account up to the process of paying down my credit card debt, I am very pleased. I have a limited income so I feel like a weight has been lifted off my shoulders and there is light at the end of the tunnel.

    Thanks for your vote!
    Consolidated Credit
    Response from Consolidated Credit
    Dear Cheryl,

    We're pleased to hear not only did you find our team helpful and professional, but that the program is now providing real help to you in your financial journey! We’ve been counseling people through credit challenges for free since 1993! If you recommend us to family or friends tell them to call 877-987-3337. We’re here to be your advocate - stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

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      Verified purchase
      StaffBilling

      Reviewed July 21, 2025

      I would highly recommend this program for anyone having a credit problem. The gentleman I spoke to today, Steve was very helpful, professional and pleasant to speak to. He provided me with good news and some suggestions that were helpful. I have approximately 15 more payments to make and couldn't be happier with the outcome. Thank you Steve and Credit Solutions!

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Justin,

      Welcome aboard! We're excited to be working with you and are glad Steve provided you the high level of service you deserve. If you ever recommend us to anyone, tell them to call 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      Customer ServiceStaff

      Reviewed June 23, 2025

      I had a very positive experience with this customer service. Call my representative was friendly and helpful, and even though I vented some of my frustration at her, she was very understanding about my disabilities and my frustration, she was willing to put in more notations in my file to h hopefully help further calls go more smoothly, so that other customer service representatives would understand my visual impairment and provide more accurate and helpful information for me. My customer service representative was also able to help clarify. Uh my issue and resolve the issue that I was calling about. She was friendly and pleasant. She was very helpful and professional. She had compassion and sympathy for my frustration and my situation. She uh was very understanding and uh Kind. It was very obvious that she had been well trained and there that she was very experienced in the customer service profession and that she had dealt with many of these types of situations in the past.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Katherine,

      Thank you for sharing your experience in such detail! We're delighted to be working with you and equally as happy to hear your counselor not only assisted you with your visual impairment but also delivered the empathy and professionalism you deserve. If you ever recommend us to anyone, tell them to call 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      StaffBillingRates

      Reviewed May 23, 2025

      I had a great experience with Consolidated Credit! From the moment I reached out, their team was professional, kind, and truly understanding of my financial struggles. They helped me set up a manageable debt management plan that significantly lowered my interest rates and monthly payments. What really stood out was the level of personal support. Within just a few months, I started to feel more in control of my finances. Thanks to Consolidated Credit, I'm on a solid path to becoming debt-free, and the peace of mind that comes with that is priceless. I highly recommend their services to anyone feeling overwhelmed by credit card debt. They genuinely care and can make a real difference!

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Dear Jennifer,

      We're delighted to be working with you and are happy to know that you received the helpful, thorough, and professional service you deserve. We appreciate you sharing your experience and are pleased the program is already benefitting you!

      Verified purchase
      StaffBilling

      Reviewed Feb. 26, 2025

      My experience has been good all around with Consolidated Credit. It has been easy to sign up for and monitor my progress. The staff that I have conversed with have polite and knowledgeable. It is great to have a debt program that doesn't put me into further debt. The promise of a low monthly payment is accomplished and has certainly made many my life much easier with less financial stress. I am still able to make extra payments both towards my Consolidated Credit account and my individual credit accounts.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Josef,

      We appreciate the opportunity to work with you and thank you for sharing your experience. We're pleased to find you a program that puts you on the path toward reaching your goals while making more room in your monthly budget for other expenses. If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

      Verified purchase
      Staff

      Reviewed Nov. 19, 2025

      Very helpful! It has helped to relieve a tremendous amount of stress and pressure to a very sticky situation. We were able to manage our issues through a family emergency, and your team helped to handle it with grace and professionalism. I would highly recommend to others.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Dear Diane,

      We're delighted to hear the program has helped you in real ways and that your counselor gave you the professionalism and help you deserve! We appreciate you taking the time to share your experience. If you ever recommend us to anyone, tell them to call 877-987-3337! You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      PriceStaffBillingRates

      Reviewed Oct. 7, 2025

      Excellent service, lower payments on high interest old cards. I always use the service because sometimes creditors charge higher interest rates, and as a new credit card holder we don't understand the risks. My first two cards I consolidated both because my rate was $500 per month just on interest. Now I pay $200 to the capital.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Reyna,

      It's a treat to hear your program is working so well for you! We're happy to be able to reduce your interest rates and have more of your money go towards the actual balance. We appreciate you taking the time to share your experience! If you ever recommend us to anyone, tell them to call 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      Staff

      Reviewed Sept. 29, 2025

      I appreciate the benefits of assistance during my financial hardship journey! The representatives are always helpful and professional and I appreciate that greatly! I will refer to family and friends in the future if they need financial guidance or services! Thank you for caring.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Pamela,

      It's a treat to hear you were treated with the respect and professionalism you deserve whenever you called in. We're grateful for the opportunity to work with you and would very much appreciate any referrals you make! Tell them to call us at 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      Customer ServiceStaffFollow-Through

      Reviewed Sept. 22, 2025

      Every time I have called with a question or a problem to be solved, I have talked to a very nice person who were very knowledgeable. The situation was solved on the very first call. I'm so impressed. They have helped me through very difficult time and always hung up with a very satisfied feeling. They do what they say.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Dear Sally,

      We strive to provide a stellar experience and are delighted you've received the high level of service you deserve! We're excited to be working with you and hope you don't hesitate to reach out to client services in the future.

      Verified purchase
      Customer ServicePriceStaffBilling

      Reviewed Aug. 25, 2025

      I have always had great phone calls and helpful customer service. The only thing I did not realize is that I am charged a $5.00 fee with each payment. Not a big deal but did not realize this was coming out of my account. Would still recommend them 100% satisfied.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Dear Lisa,

      Thank you for sharing your experience with us. We're glad to hear you're receiving the helpful service and effective program you are looking for. We do apologize if a miscommunication occurred regarding the monthly fee and will review your call to ensure there is not a training opportunity there for future clients. If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

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      Consolidated Credit Company Information

      Social media:
      Company Name:
      Consolidated Credit
      Company Type:
      Private
      Year Founded:
      1993
      Address:
      5701 West Sunrise Blvd
      City:
      Fort Lauderdale
      State/Province:
      FL
      Postal Code:
      33313
      Country:
      United States
      Website:
      www.consolidatedcredit.org

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