Consolidated Credit Reviews

We are grateful to be working with an honest, reliable and effective debt reduction company such as Consolidated Credit. Their program is really working for us! Thank You!!

I have had an excellent experience with consolidated credit. It is the best thing I could have done. I wish that I had gone with this program sooner. If I had my debt would be gone already. I could not have done this on my own. I would recommend this program to anyone looking for lower interest rates and actually getting your credit cards paid off.

I personally believe on the fact that when it comes to improve our personal finances, it's important to increase awareness and educate oneself on the negative impact of present debt on future goals and opportunities. I gradually and securely found the great opportunity to get freedom from my debt and highly recommend CCC as the consumer oriented organization that can assist individuals achieve their freedom from debt. When an organization providing such a serious service starts by educating and increasing awareness of your financial situation and alternatives that can be used securely and safe; this is an organization to be trusted and fortunately, this is Consolidated Credit Counseling. I'm a happy and very satisfied, once desperate individual who successfully used their assistance to get my freedom from debt.

I can't begin to tell you how pleased we were with our experience with Consolidated Credit. When we started the program in August, 2009 we felt our lives had been turned upside down with soaring interest rates that made our financial commitments almost impossible to fulfill. From the beginning of our program to the very last payment we felt understood, supported and encouraged to stay on track with our goal to being debt free. It took a lot of hard work and determination and at times a lot of fear but we did persevere. Any time I had a question or concern I was able to SPEAK to a person who quickly was able to assist me. You have no idea how comforting that was to actually speak to a person EVERY time I had the need to contact Consolidated. I would highly recommend Consolidated to anyone who was in need of financial assistance.

It's not the first time I find myself in this situation of going over my head with credit. I am very happy that Consolidated Credit works so well with their customers. I am living proof that it can be done. I recommend if you need help, let Consolidated Credit help you to get back on the right foot!

I have had a great experience working with Consolidated Credit Counseling Services. They have helped me get my debt under control. I would recommend Consolidated Credit Counseling Services to anyone who are deeply in debt, as I was. A couple of times, I did not have enough money in my bank account as my paycheck had not come in. Knowing this, I called Consolidated Credit Counseling Services and the customer service Agent explained that I would still be able to pay the monthly amount, on the day my paycheck. Believe me when I say that it took a great burden off my head! I find the Agents of the Consolidated Credit Counseling Services to be very knowledgeable and help in a very positive manner. I want to say thank you to Consolidated Credit Counseling Services.

I have had great success with this company. They answer promptly by phone and on website inquiry. I am very close to being debt free and could not have done it without Consolidated.

This company has been a blessing in helping me regain financial control of my life. I wouldn't be able to fulfill my dream of living in the Caribbean if it hadn't been for them.

I would be in horrible shape if Consolidated Credit Counselling Service had not helped me. I started with another agency and they switched my accounts to CCC but for the last 2 years CCC has made an impact in my financial burden. It takes time to pay your way out of debt. For me it is 2 jobs and a huge monthly payment, but I see progress and in another 18 months I will be debt free. Coming from $60,000 debt to $0 in almost 4 years is huge! It does work. It just takes time & discipline.

I have been receiving excellent service from them for a few years. Professional, customer service and assistance has been an outstanding result. They were very open to discussions, questions, and any other assistance that I requested. Timeliness, has also been outstanding service of their staff. I would highly recommend anyone to make a very good positive review of any other peer service and then compare. I sincerely believe you will not find any that can compare with them.

Consolidated Credit helped me out greatly with my debt and helped me save my credit and a lot of money in finance charges.

Wanted to be able to pay my bills but I needed help. I researched all of the agencies online and decided to contact Consolidated Consumer Credit Services. It was not during normal working hours because I was at home; but immediately one of the representatives contacted me and started to help me get started right then. Their program is for someone that is serious about getting out of debt. They are serious about helping you. You have access to your payment information online and you have access to many benefit offers available to help you learn how to live a debt free life. I still receive statements in the mail from the companies I am paying off and can see the balances going down and the interest rates reduced. If you want to pay your bills but you just need help I would highly recommend contacting CCCS and get rid of those phone calls from debt collectors and get rid of the worry and stress. I am so glad I did.

I have had an excellent experience with Consolidate Credit Services. They were able to get most of my credit card rates down to a very low levels. Me and my family were seriously in debt and thanks to their service we are 6 months away from being completely debt free.

I have been very pleased with the level of professionalism of Consolidated Credit. Every communication has been easy to work with. I would recommend them to anyone needing to restructure their financial situation. 5 Stars for them.

From the moment I called Consolidated Credit in 2009, I have had nothing but the best customer service. In the last 4 years, if I have a question or problem, I call and it is taken care of immediately. They have turned our disastrous financial past into a bright future. They have a website you can keep track of your accounts on that is easy to use and I have had to go into the office and they were super helpful there as well. We are 2 payments from the end of our journey and I am so grateful for all of their help.

I have to say that without Consolidated Credit I don't know where I would be. Consolidated has been my lifesaver as far as my credit cards go. On my own I used to make a payment on my cards and then turn around and go use them again. I wasn't getting anywhere. When I heard about Consolidated I just had to call. It has been one of the best things I've ever done. Now I am getting my cards paid off. I am no longer able to use them so I can't go rack up the bills. As a matter of fact I have already got one card paid off. It is the best feeling. Thanks Consolidated Credit!!

I had been with this company for four years and have not had one bad experience yet. They're all always willing to help me in anyway they can. I have recommended them to coworkers and they to had nothing but good things to say. I was worried about my debt and one call and everything was good. They work with you and the creditors and make things much easier for you.

We have had a great experience with Consolidated Credit Counseling Services. Every person we have dealt with had been professional, courteous and also compassionate to our situation. Would recommend highly to anyone wanting to debt consolidate!

In February 2013 my husband and I made a phone call that changes our lives. The gentleman talked to me and discussed options with Consolidated Consumer Credit. We are thrilled 10 months later to say that we have paid down of $4000 of debt. We are in our way to being debt-free for the first time in our lives. Any time that you call, your questions are answered with courtesy and enthusiasm over our getting out of debt.

Consolidated Credit Counseling Services has been great! They were very easy to work with from the very first phone call to them. They are concerned about us as individuals and always receive great customer service and support. We would recommend them to friends and family!

Prompt response, took care of issue and resolved.

Never thought I'd be able to pay off my debt. Consolidated Credit helped me do just that. It was easy to sign up and get started and my only regret is not doing this sooner!

Consolidated is a very good way to help people with credit problems. I find them to be very helpful. Their customer service is excellent. Always friendly and they know what they are doing. I would recommend CONSOLIDATED CREDIT to whoever need the help.

After a divorce left me with over $20,000 in credit card debt, I joined Consolidated Credit Counseling Services. After 4 years my debt is down to $1,200 and I’ll be making my last payment in January just in time for a new start.

My experience with Consolidated has made me more comfortable with my debt situation. I had a large debt going into this and yet with the help I am receiving I have divided my debt by half, and I feel my life has been relieved of at least half the stress I would have been under had I tried to pay the debt myself.

I have been with CCCS for many years. It was the best decision I ever made and I will finally be paying off these credit cards in the next few months. I am ecstatic. I would recommend this company for paying off your credit to anyone that needs help. Customer service is great and a pleasure to work with.

I was online trying to find a way to get help and was sent to your website. Every one so far has been real helpful and get thing going so I want to thank you very much.

I never thought I would see the day where I have made 1 year straight of on time payments to my credit cards. I haven't missed a month yet and it's all because Consolidated Credit brought my rates down and lowered my monthly payment!

They assisted me in a 3-way phone call with Pioneer Services whom tried to wrong do me. Long Story short, the outstanding Female Consolidated Credit employee was very professional and helped me to come out on the better end. Thank you CC. In my book CC is Company of the Year. I advises anyone with a Debt issue, contact CC.

I finished the program with CCCS and my debt is gone. I am very satisfied with it. However, even when my debt is paid, they are still withdrawing money from my bank account. When I called CCCS to have the issue resolved, they were not able to help me with it. For two days, I have been talking to their representatives but nothing has been solved. Now I have an overdraft fee on my bank account. Everything had been good during the whole program with CCCS until now. I am very disappointed with the way we are ending this business.

I am very impressed with the service and professionalism of Consolidated Credit since I became a member several months ago. The representatives are very caring and very knowledgeable. I am very pleased with their service and would highly recommend them to anyone who needs help with credit issues.

The staff at Consolidated Credit has been pleasant as well as educated in credit matters. They take the time to make sure you understand the issues and don't pressure you in any way. I recommend them to my family and friends.

We couldn't have had a better team working with/for us. Consolidated Credit answered all of our questions, which we had MANY. In a few years, we will be free of almost 80 thousand dollars in credit card debt. Thank you to the team at Consolidated Credit for showing us that freedom from debt CAN be obtainable. A++

We did not realize how great it would be to put aside our pride and ask Consolidated Credit for help! They were able to set up a plan and we will be out of debt in 6 years! What seemed like an insurmountable problem has now become a situation where our consciences are at ease and. most of all, we have HOPE again that getting out of debt IS possible! Every situation is different but Consolidated Credit will find you a way!!!

When I hit bottom, I called Consolidated Credit. I hid my debt from my husband and it was becoming too much to bear. The counselor was so patient and understanding. I broke down and cried and she calmly assured me that we have all "been there" and that I was making the right choice at this time to get my debt resolved. Knowing that I would have to eventually expose my mistakes caused such anxiety but when our call was over, my tears of shame were turned to gratitude, thanks to Consolidated's wonderful counselors. I still have my debt but no longer have the embarrassing phone calls to deal with. I have learned a great lesson, one which I have shared with my grown children and finally with my husband. Thank you for giving me back my self-respect!

From beginning to end... someone was always there for me to answer questions... encourage... laugh... and help me to NOT cry! I was drowning and less than four years later, I am debt free and continue to work my way toward mobility... I lease my house. I lease my car. I don't have any credit cards... so I am down to basic living expenses and I can now pick up and pack up and go to Australia once I have my dual citizenship. I always recommend you all to friends and anyone who speaks up to say they are struggling. Thank you so much for everything!!

As a young person, I got into a lot of debt before I really understood what that meant. I joined Consolidated Credit and everything turned around. I learned how to manage my finances and I live without credit. I have less than a year until I am debt free thanks to Consolidated Credit (and myself, of course!).

Truly rewarding contacts with Tricia ** Senior Manager and Representative named Stanly as they made the whole beginning of the process so easy and relaxing. Great help, great explanations. To find people who show a great interest and care in their jobs is a rarity these days.

I've been with Consolidated Credit for over a year and half now. It has helped me reduce my credit card debt, but like many others, I experienced, in the first two months, a lot of penalty fees placed on my credit cards because they were not being paid on time. The reason that this happens is that the processing time between CC taking money out of your account and transferring the money to the creditors is quite a long time. They take money out on the 5th, but my creditors do not get paid until the 22nd or 23rd.

I signed on in 12/2011 & thought I was going to get rid of my credit card debt. A month ago, I canceled their services. Credit card statements started coming & my balance is either the same or higher than it was when I first signed with them. Also, I received my statement of accounts from them & noticed that I was getting charged a $15 monthly member fee! I never knew I was being charged a member fee & why would I have to pay a member fee for services like this? I'm very unhappy & have a lot of money wasted for nothing. I'm still in the same situation as before seeking their service. I will never recommend them to anyone for help with any debt!

The CCCS agent was wrong in saying to call the bank to stop paying lenders and wrong on the accounts to enroll. My lenders do not support CCCS, and I would still owe the same. The CCCS agent took my $49 fee when I called to withdraw/cancel in less than 24 hours on 03/15/2013. I understand the $49 enrollment fee is non-refundable.

I wrote a negative review last week which I am now retracting from since I had the pleasure of speaking to a Ms. Grace ** who took the time and patience to explain things about the program which I hadn't understood. I will now retract what I wrote and also my debts were paid. Thank you especially Grace **.

I thought they would handle everything (which they didn't). Dealing with them increased debt. Do not allow them to do it to you. How they are allowed to keep operating this way should be considered as a crime. I was fortunate to get out of this mess, whereas many people aren't and they put them further in debt. Beware!

I entered the program and had to get off asap! They put me past due on all my accounts and now my credit score is ruined! I went from a 760 to a 510 within 3 months! Now all my debt is paid off on my own, not through CCC.

This company is taking money from my account and is not paying my credit card bills every month. Today, I am five months behind on my credit card bill. I do not recommend it.

I have done a lot of research with these companies, and I decided to go with Consolidated, because I wanted to be responsible for my debt but realistic in my abilities to be able to pay it back. Aside from a little trouble getting one of my credit cards set up on the plan, I've not had one moment of regret signing up with this company. I still have a little over 3 years to go to be debt-free, but I'm thrilled with this company.

I joined Consolidated Credit Counseling and was given the plan of being debt free in 5 years. After reading the resources and taking the advice of the credit counselors, my wife and I were able to get rid of our credit card debt in 2 years!

I had $27,000 worth of credit card debt and Consolidated Credit Counseling Services, Inc. helped me out tremendously. Every single counselor that I ever spoke to was always amazingly kind and helpful. My experience was just perfect. I would completely recommend Consolidated Credit Counseling Services, Inc. to anyone. They saved me!

Aaron of San Diego, on Sept. 13, 2011, who wrote a review of Consolidated Credit has the wrong company name. Consolidated Credit has never charged more than $49.00 per month to anyone for their services, most consumers pay $25. This person needs to be contacted and the correct company name put with his complaint. We are having negative feedback due to his incorrect review - he was never had an account with Consolidated Credit Counseling Services, Inc. Please verify this information as soon as possible.

Consolidated Credit Counseling Services is a rip off. They charged me a $250 enrollment fee that they said was refundable when my balance was paid off, which was a complete lie. I never received any statements or progress of my services.

Following up with my previous complaint about Consolidated Credit Counseling Services, Inc., I would like to state that I have been contacted by the company and they have entirely rectified the whole situation. The person who contacted me, representing the company within the highest level of professionalism, was able to clear up my understanding. I was able to have a better view of their services, which led me to change my opinions about their services. This has compelled me to write this follow up. I tried to remove my complaint, but since it is not possible, I feel it is important to state that everything has been rectified and that I am now 100% satisfied with the services I received from Consolidated Counseling Services, as well as I hold nothing against the services rendered by this company.

I signed up for their program back in September 2007. Aside from my membership of $15 per month, they debited monthly, for more than 2 years, $12 for a "gold membership card". Never did I know that I had such membership. During the course of these two years, many times I was out of a job, with health disabling problems, totally broke, and so I called them to negotiate payments, and they never mentioned a word about any benefits from this gold membership card that I was paying without knowing. They also never sent me any statement of what I was paying.

First red flag was when the company requested a power of attorney. A power of attorney should not be signed unless you are requesting the company to "eliminate" your debt through litigation. Second flag was they charge $49 for enrollment and $35/month for their "counseling services"; in order to make it legal they make it optional. I contacted them in October of 2009 and they did not begin processing anything until November. They never notified any creditors. They did not make a payment on any accounts until the last week of December 2009. No contract or notification was sent to my creditors.

I had problems with CCCS since enrollment. The enrollment counselors cut you off and leave you high and dry after enrollment. The counselor requested all of my creditors’ information so she could verify which ones CCCS could help me with. She asked if my financial institution or credit union was one of my creditors. I told her that they were, but since they give me the lowest rates possible, I did not want to include them. Well, CCCS sent their letter to my credit union anyway and my credit union in turn closed all my accounts. I called my credit union and told them it was a mistake and CCCS had not authorization to do that, and that I would like my accounts re-opened. They replied that they could not do that now that they know I'm with CCCS.

I signed a contract with CCCS on 12/15/06. I told them from the beginning I had plenty of money in my account and that I did NOT want any lapse time in my payments.

I happened to come across this site. The complaints that I read, reminded me of my same experience, especially when I read the name Desiree. I don't know if it is the same person, but it did hit a nerve. I opened my account with them in December 2001, until June of 2003. I followed their rules and was never late with the payment they set up with me for payment to 2 creditors. My credit was ruined be cause even though I made my payments & on time, CCCS did not follow their end of their promise. When I realised what was going on with my creditors - it was that all of my payments where reaching them late, because they had not agreed with whatever cccs had said they had been able to set up with my creditors. What a nightmare.

This company took over my account from Assured Credit Counseling....they went out of business. My husband and I FINALLY completed the program and notified Consolidated Credit Counseling. The original company had withheld a one month payment of over $600 that was to be refunded once we completed the entire program. We were first told by Consolidated that we had to notify them in writing first. We did that...no response...then we told that we had to contact Assured...a company that was no longer in business and has no forwarding addresses. I was told that Consolidated IS responsible for the refund since they took over the account. They tell me they aren't paying because they never received any money from Assured when they took over my account. !

When I joined CCCS, I was told that I had to authorize that all of my credit card accounts be closed. I gave permission for this to be done and assumed that CCCS followed my instructions and the agreement I made with them. Even though my credit card statements continue to show a credit line being available, I paid more attention to the fact that they also stated that I had not credit for immediate use. After 2+ years and getting no where with the debt reduction, I chose to refinance my house and pay off my credit cards in this manner. When I sent the check to CCCS, I stated that I wanted all accounts paid in full and all companies to be properly informed that I had withdrawn from the program.

Misquoted total monthly rate to me 4 times, 1 creditor (Jacobson's)I was in good standing with and I now owe more to them before signing onto their program and was sent into collections because they were only paying them $15.00 a month. When I cld the co directly about this they said they never authorized this amt. So now not only do I owe more to them, I am in collections w/them and have this on my credit report. They are charging a $25.00 late fee every month plus finace chgs which puts me into the hole every month.

Almost three years ago I went to them to get help with almost 20,000.00 of credit card debt. I was immediately told to cut up my credit cards and was quite litertally slapped into a DMP that was to last 5 years.

I enrolled in this debt management program four months ago. And my interest rates and balances are now HIGHER than when I started.

My husband and I chose this company to help with our financial debt crisis and to our dismay, after about 90 days, we were in a worse financial situation than when we started. We got virtually little help with our creditors and decided to "disenroll" from the CCC program. We called CCC as well as faxed a statement to them telling CCC we no longer wished to participate in their program. We were told the next auto-debit for $932.00 would not occur from our checking account.

In Novemer 2001, I went to Consumer Credit Couseling Service of Miami for help with my debt service. They told me that they sucessfully made agreements with my creditors and they arranged a monthly automatic payment from my credit card account. But I eventually learned that they did not follow through. They did not actually make agreements with all of my creditors. Payments were deducted from my credit card account, which were allocated to the various credit card financial institutions, but, since the agreement had not been made, the payments fell short of the minimum payments, and I was therefore charged late fees. Under these late fees, some of my credit cards reached their limits, and, therefore, I was also charged over the limit fees.