Helping People through Credit Challenges since 1993
The call & counseling are always free and there is never an application fee.
Our mission
To assist families throughout the United States to end financial crises and solve money management issues through education and professional counseling.
How much debt do you need help with?
More than 10.2 million people helped in 30 years
300+ hrs. of live education each year
Over $9.75 billion in debt consolidated
As Featured In
How credit counseling works in 3 easy steps
1. Talk to a Counselor for Free
Review your debts, budget and credit with a certified credit counselor to see if you qualify for a debt management program and explore other options for relief, so you can avoid bankruptcy.
2. Start as Soon as You're Ready
Take the time you need to decide. Once you are ready to enroll, we will call your creditors and work with them to lower your interest rates and stop late fees.
3. Get Out of Debt Faster
The program is easy! You make one payment to us each month, and we distribute the funds to your creditors on your behalf. You can be out of debt in as little as 36 months.
You Are Not Alone
A debt management
program can...
- Reduce your total credit card payments by up to 50%
- Lower the interest rates applied to your debt to 0-10%
- Pay off your debt in full in 36-60 months
- Help you avoid negative credit report information
Virtual Intelligent Counselor
VICTORY OVER DEBT!
The smartest way to a debt-free life? Use our
Virtual Intelligent Counselor. It’s FREE…
- Gain control over your debt.
- Get an easy-to-understand breakdown of your finances.
- Save time before speaking with a counselor.
How Much Could You Save?
Just tell us how much you owe, in total, and we’ll estimate your new consolidated monthly payment.
Creditors We Work With
These are just some of the creditors we work with to help our clients every day. As your advocate, our credit counseling team will work with all of your creditors to minimize interest charges, stop penalties and set up a repayment plan that you can afford. Interest rates are typically reduced to between 0-10%.
Details
Advocating for our clients since 1993
Consolidated Credit is one of the nation’s largest and oldest nonprofit credit counseling organizations. Our mission is to help people end financial crises through education and professional counseling. We take pride in helping people find solutions to overcome challenges with credit card debt and achieve long-term financial stability.
Our StoryHere's what our clients say
Excellent
great customer service...
great customer service and the money actually goes to your creditors. Not a scam...
KEVIN B.
it was great thank you
it was great thank you
KATHERINE W.
great customer service
The representative I talked to is always very friendly and easy to get along with....
lynn
Thank you for helping me...
Thank you for helping me get debt free
Tammy R. Ellis
Everyone did what they...
Everyone did what they said they would do. The entire organization has performed...
BRAD B.
Everyone is so wonderful...
Everyone is so wonderful to work with
Judy
Excellent Customer...
Excellent Customer Service!
Geetha
Just great customer...
Just great customer service
DeAnna McCutcheon
My credit problem
My credit problem is being solved, so far.
Linda L Hill
So grateful
So grateful someone I know recommended Consolidated Credit. I’ve been with them...
A. L.
Very professional and...
Very professional and helpful with any and all questions
David ferguson
The counselor was so...
The counselor was so helpful and saved me $200 a month and reduced my APR from 30%...
GEORGIA SHEA R.
Great service
This is a great service.
JANA E.
its great
its easy to use
DOUGLAS L.
Great telephone care
Great telephone care
Heidi Palombi
Showing our 4 and 5 star ratings
Debt Relief in Action
Review case studies from real debt management program graduates to see how credit counseling helped them find debt relief through credit consolidation. Working with a certified credit counselor can reduce or eliminate interest charges and lower your total payments by up to 30-50%.
Specialized Credit Counseling Services and Financial Education Programs
Whether you’re buying a home or need help saving your home, Consolidated Credit’s HUD-certified housing counselors can help you create a customized plan to achieve your goals. Housing counselors also provide free reverse mortgage counseling for seniors, as well as an online first-time homebuyer course that provides the certification you may need to qualify for closing cost and down payment assistance.
Find Your Way Home
Born out of Consolidated Credit’s Financial Literacy in the Workplace Program, KOFE is a financial wellness program that helps businesses, financial institutions, government agencies and nonprofit organizations support their employees and members to build financial literacy through a 3-pronged approach of self-learning, classroom education and one-on-one financial coaching with certified credit counselors.
Corporate Financial Wellness Program
Consolidated Credit is proud to help military Service Members and Veterans achieve financial stability. The partnership with Army OneSource and the U.S. Department of Veterans Affairs helps military personnel and their families improve their financial literacy so they can navigate the unique financial challenges that they face, from deployment to transition to civilian life.
Money Management and the Military
Take advantage of a wide-range of free financial resources that can help you gain the financial literacy you probably missed because few schools offer personal finance education. Learn at your own pace with the help of financial education videos, infographics, calculators and interactive courses. You can also sign up for free monthly webinars or watch past webinars on-demand.
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We’re Proud to Announce Our Story Contest Winners
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