
Consolidated Credit Reviews
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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.
- Over 30 years of experience
- Works with over 1,600 creditors
- No enrollment fee or charge for initial call
- Monthly fees are a bit high
- No online application process
Consolidated Credit Reviews
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- 4,874,223 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.
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!
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
Reviewed July 10, 2025
I like that I have affordable payments. I love the fact the withdraw from my account was able to be set up on my pay days. I have always had a very fair treatment on the phone when I have called in with questions. Thank you to the nice team of customer service reps that you have.
We're delighted to be working with you and are more than happy to be able to make your payments more affordable and provide the high level of service you deserve! 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
Reviewed July 3, 2025
I am 100% satisfied with this company and thankful to the help they are providing to me with consolidating my cards and creating less stress with paying them off. The online portal is easy to navigate. And having auto payments set up promises that everything will be on time and is hassle free!
Thank you so much for sharing your experience! We're delighted to hear that our system made handling your finances easier and less stressful for you. We are thrilled to be part of your journey to financial wellness. 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
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.
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
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!
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!
Reviewed April 4, 2025
Thank you, I am overjoyed with the creditors' cessation of damaging my financial means and accepting a repayment plan. The first company Credit America signed me and created the contract and the creditors have left me alone, I am trying to assume control of spending and I am wishing for a bright future
It's a pleasure to be part of your financial journey. Thanks for sharing 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
Reviewed March 10, 2025
I am extremely thankful for this company and how easy it was to consolidate my debt and the payments being made for me. They made the process so easy and convenient. I would recommend this company to anyone needing help getting their finances in order and pay things off in a timely manner.
It's a pleasure to assist you in your financial journey! Thank you for choosing to work with us and for sharing your feedback. We would love it if you did recommend us to others, feel free to tell people to call 877-987-3337 if you do!
Reviewed March 1, 2025
I started this program during Covid when everyone lost their jobs (including me) and this company pulled all of my debt into one monthly payment. The monthly payments have gone down and I did add a couple of credit cards to the programs except...except this past January they really messed up! The debt counselor told me the two new credit cards I was adding would be approved to only find out they were not and it has impacted my credit score. I am not stuck luck dealing with these bad cards (Indigo and Imagine) where they are charging me an exorbitant interest and unsubstantiated late fees.....both balances are each about $ 1,000 but with the compounded interests I am close to $1200 on each card. You are on your own. They did try to reach me to tell me that the cards were not accepted into the program!
Lesson learned: don't assume anything! I had thought I was in good hands but not so. They claimed they sent me an email to log onto my account and according to them, my account says "do not call me". Not so. The communication here is not good and they do the very minimum to cover themselves. I am looking for a new debt management company. I recommend to shop around before you sign onto this company.
We regret to hear you aren't fully satisfied with the program and understand your frustration regarding the Indigo and Imagine cards. We were happy to try to add those accounts to your already successful program and typically can secure agreements with creditors like them, but ultimately it is up to the individual creditor whether or not they would like to participate. We did attempt to contact you through available means to notify you of this development and hope that we can still work with you on the accounts that are currently enrolled. If you have any questions for client services or would like to make any changes to your program, please call us at 877- 201-7780.
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.
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
Reviewed Jan. 29, 2025
Anais was great! So patient and easygoing! She made me feel really at ease with the my credit debt solution. I can tell she loves her job and helping others manage their issues. Service like this matters when in stressful times where everything seems so unknown and non familiar.
It's a pleasure to be part of your financial journey and we're so glad Anais provided you the great service you deserve! Thank you for 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
Reviewed Dec. 13, 2024
I have had the most wonderful experience with Consolidated Credit Solutions. They have been very accommodating as far as scheduling and working with payments. The representative I spoke with was very helpful and explained everything in a way that I could understand. He explained how everything worked and the frequency of when the payments would be drafted from my account. The account reviews are every three months which I appreciate with my very busy schedule. Thank you Consolidated Credit Solutions!
We're excited to be working with you and appreciate you taking the time to share your experience! It's a treat to hear your counselor was so helpful, detailed, and flexible. We're always available if you ever have questions or need any more help!
Reviewed Nov. 9, 2024
I am slowly getting my finances in order. It is difficult, having lost 60% of my income last year. I never expected this at the age of 70! I'm still working and will be as long as I can. Finances were always made easy for me, now they are not. I wish I learned this lesson at a much younger age.
We're sorry to hear about your situation but want you to know there are always options available and that we've helped many people in a similar spot. Our certified credit counselors are always available if you ever need additional help or want to discuss other program options. We appreciate you taking the time to share your feedback!
Reviewed Oct. 15, 2024
Everyone very helpful with our bill paying. Paying off three bills with one monthly payment. Was very helpful everyone I have talk to. Thanks from the Bottom of Heart. I will remain grateful. I will tell everyone I know to try this company out. Like I said early I will come to this company in the future if need be.
It's a delight to be able to help you reach your financial goals and simplify your repayment schedule. We're excited to be part of your financial journey and would love it if you did recommend us! If you do mention us, tell your friends or family to call 877-987-3337.
Reviewed Sept. 30, 2024
Great service and very helpful. Did not take long to sign up and qualify for help. Customer service was helpful with any questions I had. Took away stress of worrying about my debts and by having just one payment a month made it so much easier to remember my due date. Would highly recommend it to anyone who needs helps.
We're happy to simplify your monthly expenses and reduce your payments by lowering your interest rates! We appreciate you taking the time to share your experience and let us know that you received 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
Reviewed Sept. 20, 2024
I am a new client but so far the experience has been great. I look forward to working with Consolidated Credit to resolve my financial issues and become debt free!! Thank you Consolidated Credit for helping me! I hope that we can continue to have a great experience. Thank you again!
Welcome aboard! We look forward to getting your program rolling and seeing the progress you'll make. If you ever have questions or want some extra help, client services is always happy to assist at 877- 201-7780! As time passes and you see what the program is really like, we hope we can earn an updated review.
Reviewed Sept. 18, 2024
You have been very helpful in working with me on settling my credit card debt. I have been informed on the ground of how far I have come in doing so. And I am very thankful for your time and effort. I have faith that working with credit solutions will not only settle my debt, but improve my creditworthiness in the future. Thank you.
We're delighted to be working with you and are glad to hear that you've been receiving the high level of service you deserve. Thank you for taking the time to share your experience! 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
Reviewed Sept. 3, 2024
You guys are a blessing. I was drowning in debt I couldn’t manage. By setting me up with one manageable payment I have been able to get the burden of debt off my shoulders. I had over 50k in credit card debt. Now I’m down to 5k in just 2 years. Thank you so much. God bless you all!
Your story is incredible, and we hope you're proud of all the work you've done! We help set people up with payment plans and reduce their interests, but results like yours show just how much you want to reach the goal of being debt-free. Thank you for sharing your story, and thank you for having us as a partner in your journey! 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
Reviewed Aug. 31, 2024
It was so easy to setup and get going on this program! Going’ you got me for the most part zero interest Thank you so much. I have had no problem getting ahold of customer service to answer any questions I have had. The people I deal with are always happy to help
We try our best to make things as convenient and effective as possible and are glad to hear that was your experience! We're excited to see how fast your accounts will shrink with such low interest rates and appreciate your feedback. 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
Reviewed Aug. 9, 2024
We appreciate how you have been treating us. You have been very kind and helpful and have been assisting us out of a very difficult situation. Communication with us has been very clear and concise. We feel hopeful again! We will tell friends in similar circumstances about you! Thank you very, very much!
Reviewed July 28, 2024
Everyone was helpful. Just wish there was more upfront proof that everything is legit and not a scam. Hopefully everything works out. This would be an amazing program for a lot of people. I guess there is only one way to find out! Thanks.
We're delighted to be working with you and appreciate you taking the time to share your experience with us! We're glad to hear that you received the high level of service you deserve from our team. We also understand why people may be wary about whether or not our services offers the real help people are looking for. Our nonprofit has been in operation for 30 years and we've helped thousands. If you'd like to read other stories of success, you can find over 10,000 reviews with links to our public review pages here: https://www.consolidatedcredit.org/reviews/
Reviewed July 23, 2024
I think they are the BEES KNEES. They are respectful of me, always kind & extremely pleasant. I have recommended several family members to them. They are the only way to go if you find yourself in a bind. I could not have done it without them. Thank you from the bottom of my heart.
It's our pleasure to be a partner in your financial journey and we're delighted to hear you've received the high level of service you deserve! Thank you for choosing Consolidated Credit and for recommending us to others!
Reviewed June 28, 2024
In a bad 18 months in business, and in that time I accumulated around $50,000 in credit card debt on 3 cards. With Consolidated Credit I was able to get the interest from the mid 20% to well below 10%. Now even if I just make the minimum payments, I'll be all paid off in four years. Since I started, I was able to relearn some healthy financial habits, no longer have any credit cards, have savings in my bank account and contribute to my retirement.
It's a treat to hear we cut your interest rates in half and matched you with a program that has helped you in multiple ways. Our team does their work for stories like yours and we're so glad you're also saving for a rainy day and retirement! Keep up the great work - the sky is the limit. Thank you for partnering with Consolidated Credit and sharing your experience. 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
Reviewed June 26, 2024
Your program has given me so much relief, both financially and emotionally. I didn't understand what my habits and life circumstances were getting me into until it was too late. I have tried every possible strategy and keep staying stuck in the same place. The representatives that helped me today were kind, empathetic, professional, and reassuring. This is life saving, truly.
We understand the many ways people can find themselves in debt and why it can be so difficult to get out of. We're delighted to help you and are pleased to hear your counselor gave you the professional, helpful, and supportive service you deserve. Thanks for choosing Consolidated Credit! 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
Reviewed June 15, 2024
Consolidated Credit Solutions has been so beneficial to my spouse and I. After losing our jobs in the pandemic, we got in some financial trouble. Consolidated was able to negotiate payment terms for us and now we are just a few months from having our balances paid in full! With the steep interest that was originally tacked on, it was hard to even imagine digging ourselves out of the hole we unfortunately had to create just to get by. Thank you!
Congrats on nearly being done with your program! It takes time and dedication to get out of debt, but we're so glad to hear your success story. Thank you for having us be a partner in your journey and we appreciate you sharing your experience. 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
Reviewed May 30, 2024
Someone recommended me this company to consolidate my bills, I called them and they helped me right away, they are very helpful and have a good customer service. Will definitely recommend to my family that needs help to consolidate bills. Thank you for the good customer service and for prioritizing and willingness to help people.
We're so glad to hear we were recommended to you and that you had the fast, helpful, and professional experience you deserve! We're happy to be part of your financial journey. If you do refer 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
Reviewed May 1, 2024
Consolidated Credit has been very accommodating since I opened my account. I appreciate it. Whenever I have a question they are always quick to answer me. Or when I have an account to add they are very helpful. Or a question, they always find the answer for me. Stay doing what you have been doing! It’s working!
We're delighted to hear you've received the high level of customer service you deserve! Thank you for giving us the opportunity to be part of your financial journey and for sharing 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
Reviewed April 22, 2024
Fraud, that's all I can say. I got hit with late payment fees and was not helped at all. My credit has lowered due to not contacting creditors about creating this plan. Do not bother, it is more of a mess fixing than paying high interest rates.
We regret to hear that your experience has not been satisfactory or met your expectations. We do our best to push back payment dates or work with clients when possible, but need warning ahead of time in order to be flexible given the expectations that are set with creditors. We also explicitly work with creditors before a program is started and get them on board, however, a small drop in credit score can happen as the number of accounts open decreases or the average age of your accounts is lessened. Our debt management programs typically have a positive or neutral affect on credit and yours should rebound soon.
We value you as a client and genuinely want to do everything we can do make your experience as smooth and enjoyable as possible. If you ever have questions or need additional support, please do not hesitate to contact client services at 877- 201-7780!
Reviewed March 30, 2024
Raymond was very helpful and provided me great options and explained everything very clearly! I am going to recommend a friend to Raymond that also needs help. My appointment was easily made and Raymond's call to me was prompt. Also the employee that walked me through the paperwork was very helpful and patient.
We appreciate the opportunity to be part of your financial journey and are delighted to hear you received the high level of service you deserve! We would love it if you did recommend us. Tell your friend 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
Reviewed March 25, 2024
The process was fast and simple. I am satisficed with the service. I am very happy with the help I'm receiving. I will recommend Consolidated Credit to anyone who need help. I will try not get into this mess again. Thank you Carey ** and R. ** for your help. Thank you and GOD Bless.
Our teams try their best to make our process convenient, supportive, and effective and it's a treat to hear your experience reflects that! Don't forget that we're available if you have any questions in the future or want extra help. 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
Reviewed March 5, 2024
CCS started out with a few issues. The payments they made to a few of my Credit accounts was Late, thereby Hurting my credit. I was extremely upset. But, since then, they have been making payments on time. I thank them for their continued professionalism. I only wish some more of my creditors would have let CCS help. Steven **
Thank you for sharing your experience. We regret that there some initial errors - while our teams try their best the background financial process necessary to begin our program are complex and occasionally do not go as smoothly as we would like. We also try our best to work with as many creditors as possible, but ultimately it is up to them on whether they are willing to enter into an agreement. However, we are glad to hear that since then things have been working smoothly and support has been able to provide you the help you need! If you ever have additional questions or need extra help in the future, our client services team can be reached at 877-201-7780!
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