Family Credit Management Reviews
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About Family Credit Management
Family Credit Management is a 501(c)(3) nonprofit credit counseling agency that has helped over 100,000 people find their way out of debt. Drawing on more than 30 years of experience, Family Credit Management is licensed to operate in every state and strives to bring the highest level of service to every customer.
- 30+ years of experience
- Free consultations and budget reviews
- Licensed in all 50 states
- Services focus on unsecured debt
- May require closing credit accounts
Helpful Reviews
Family Credit Management services
To start working with Family Credit Management, you can take its online debt quiz and fill out the debt management program application. You’ll need to provide the following information:
- Your name
- Your email
- Your address
- Preferred method of contact
By filling out the debt quiz, you’re authorizing Family Credit Management to review your credit report and provide you with your credit score. This review is considered a “soft pull” and will not affect your credit score.
If you're eligible for the nonprofit's debt management program, a certified credit counselor creates an action plan to guide you in paying off your debts. Once enrolled, you make one or two monthly payments to Family Credit Management, and the company disburses the funds among your creditors.
Family Credit Management handles calls from collectors and works to reduce your fees and interest payments. Most clients remain in the program for five years.
You can access your account information online 24/7 to contact credit specialists whenever you have a question.
How much does Family Credit Management cost?
Family Credit Management receives funding from the credit-granting community, enabling it to offer several services free of charge. Its budgeting sessions, credit review process and educational resources never require a fee.
You only pay fees if you choose to enroll in its debt management program. As of 2026, the costs for this program typically include:
- Account setup fee: A one-time fee of around $39.
- Monthly administration fee: A recurring fee of around $28.
These fees are based on a sliding scale and may be reduced or waived depending on your financial situation and state regulations. You can work with your credit counselor to establish a payment plan that fits your schedule, whether that’s weekly, biweekly or once a month.
FAQ
What is Family Credit Management?
Family Credit Management is a nonprofit credit counseling agency that offers debt management services to consumers struggling to pay back their loans.
What does Family Credit Management do?
The agency provides assistance specifically for unsecured debt, such as credit cards, medical bills and personal loans. It does not work with secured debt like mortgages or auto loans.
Does working with Family Credit Management hurt my credit score?
The initial credit review is a soft pull that does not affect your score. You may see a temporary drop in your score when enrolling in the debt management program because most creditors require you to close accounts included in the plan, but consistent payments can help rebuild your credit score over time.
Where is Family Credit Management available?
Family Credit Management is licensed to operate in every state.
Still have questions?
Is Family Credit Management worth it?
Family Credit Management is a reliable nonprofit agency for consumers struggling with unsecured debt. Its biggest strengths are its free counseling, long operating history, and broad range of support options for consumers who prefer structured debt repayment. If you want a structured plan to lower interest rates and stop collection calls without the high risks of debt settlement or bankruptcy, visit its website to find out if its services are right for you.
Family Credit Management Reviews
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- 4,892,667 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.
Family Credit Management Company Information
- Company Name:
- Family Credit Management
- Year Founded:
- 1999
- Address:
- 11 N. Wabash, Ste. 1408
- City:
- Chicago
- State/Province:
- IL
- Postal Code:
- 60602
- Country:
- United States
- Website:
- www.familycredit.org





