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Consolidated Credit Counseling Services, Inc., founded in the early 1990s, is an industry leader in providing credit counseling and debt management programs throughout the United States.

About Consolidated Credit

Credit Counseling Success Stories

We love what we do—every day we get to help people find solutions to one of the biggest problems a family can face. According to a study released in 2011 title Stress in America, money is the number one source of stress in our country. The study finds that 3 out of 4 Americans view money as their biggest concern and the #1 stressor that keeps them up at night.

In almost 20 years Consolidated Credit has helped over 5 million people find relief from debt. Even when people thought their situation was hopeless, we were able to help them make a plan, pay off their debts and get their finances back on track. If you’re facing the added stress and sleepless nights of living with too much debt, call us at 1-800-320-9929 to speak with one of our certified credit counselors or get started online with our Free Debt Analysis.

At the end of 2011, we hosted our 15th annual debt relief story contest. We asked clients to tell us how Consolidated Credit helped them get debt relief, learn to budget, and be better equipped to manage their money in the future. View the winning entries on our personal finance blog MissMoneyBee.com.

Plus, read more credit counseling success stories below:


“Since joining the Consolidated Credit Counseling Services program, I've changed many of my spending habits in order to stay within a well-defined budget. I've also embarked on a financial lifestyle change that will prove as beneficial to me in the future.

Before joining Consolidated Credit Counseling Services, I didn't really have a budget because I had so many lines of credit and became comfortable just using credit cards to dine out regularly and charge all sorts items that I didn't really need, such as extra clothes, electronics and unnecessary house wares.

When it came time to pay the monthly bills, I made the mistake of transferring balances back and forth in an attempt to avoid having to pay off balances right away. I just told myself, "Oh, I'll pay that account off next month," but months turned into years and my debt grew even more.

When my minimum payments began to rise, I started to feel trapped and started researching debt management options. I was excited to learn about Consolidated Credit Counseling Services and was relieved to have finally found a reputable program that could help me dig myself out of the mess I created.” Read more about this debt management success story .
T.M. Colorado Springs, CO

“You wouldn't believe what my life has been like this past year, and just how lucky I got making the decision to join Consolidated Credit Counseling Services.

Like a lot of people, I racked up more than a handful on my credit cards during college and post-college life. To be honest, I wouldn't have survived without them, but now that

I have a steady career blooming, I wanted a clean fresh start, and my debt was preventing me from that. I was so stressed paying nearly $1,000 a month just on credit cards and about half of that was going to interest alone. My sister introduced me to Consolidated Credit and honest to God, just speaking with a counselor about my future payment program, gave me such a huge relief! I joined immediately and making that first payment gave me a great deal more financial freedom, and it didn't hurt to know that I will be debt free in less then three years! Doing it on my own would have taken me more than 15 years!” Read more about this Consolidated Credit Counseling success story .
Y.L. Long Beach, CA

How Consolidated Credit Has Helped Me

I’m quite a shopaholic, all my friends know that is true, I shop until my money’s gone, and then the bills are due. TN many times I’ve tried to stop my fun-filled shopping sprees, They told me, don’t go to the malls, and it will be a breeze.

They didn’t understand my plight, ‘cause when I get depressed, it makes me feel much better, to buy jewelry or a dress. I’ve got a true addiction which I thought could not be cured, until I saw a TV ad which interested me for sure.

I heard a man say “Are you tired of having not a cent by the time the bills are paid each month, your money’s all been spent?” Well, listen here for we can help, we’re experts in our field. We’re called Consolidated Credit, we’ll give you a great deal.
A poem by
S.A. in Baltimore, MD, a very satisfied client.
Finish reading this credit counseling poem

Call 1-800-320-9929 to speak with a certified credit counselor at Consolidated Credit Counseling Services, and get help for your debt problems. For additional success stories on our credit counseling and debt management programs , view our archives.

Get Relief From Debt

"We are really proud to recommend Consolidated Credit" Dr. Jennifer O’Flanery, Ph.D. President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

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All Consolidated Credit counselors are certified personal financial counselors (CFC)
We’ve helped 5 million people get out of debt!
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Consolidated Credit Consulting Services, INC.
has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, INC. as a valid business.
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Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.
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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating.
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Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company.
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U.S. Department of Housing and Urban Development - HUD’s mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

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