Call us today at 1-844-329-7146 to begin your path towards freedom from debt. As a non-profit agency and one of the nation’s largest credit counseling organizations in the country, our mission is to assist families throughout the United States in ending financial crisis and solving money management problems through education and professional counseling. For 23 years we have helped over 6.5 million people find the financial freedom they need. Whether they need housing counseling, relief from credit card debt, or simply want advice on how to better manage their money, we have the resources, recommendations, and solutions consumers need to reach their financial goals. Llámenos hoy al 1-844-329-7146 para comenzar su camino hacia una vida sin deudas. Como una organización sin fines de lucro y una de las agencias de consejería de crédito más grande de los Estados Unidos, nuestra misión es la de ayudar a las familias con sus problemas de deudas a través de programas de manejo de deudas, consejería profesional y educación financiera. Durante más de 23 años, hemos ayudado a 6,5 millones de personas a encontrar la libertad financiera que necesitan. Ya sea que necesiten asesoramiento sobre vivienda, alivio de deudas de tarjetas de crédito o simplemente desean administrar mejor su dinero, tenemos los recursos, las recomendaciones y las soluciones para ayudarlos a alcanzar sus metas financieras.
Is Consolidated Credit legit?
Consolidated Credit (consolidatedcredit.org) has a 4.8 out of 5 rating on OK.one, based on 200 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 95% rating it 4 stars or higher; The business has replied to 100% of negative reviews; 63 of them were added in the last 12 months. Last updated 2026-08-12.
Dear Ruby,
We strive to deliver real financial help and are pleased that's what you've experienced. Thank you for choosing us as a partner in your financial journey! 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
Consolidated Credit didn't loan me money; they got my credit card companies to agree to reduce the interest I was paying and apply more of my payment directly to the loans. One of the credit holders even reduced the interest to ZERO! As a result, I am paying down crippling debt much faster than I could have while paying significantly less in interest. In about 4 years from the time Consolidated Credit started helping me, I should be debt-free.
Reply from Consolidated Credit2025-12-11
Dear Howard,
We're delighted the program has been so helpful and effective for you! We love hearing stories like yours and appreciate you 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
The company helped me lower my payments by a large amount and has been keeping up with me and helping me stay on track with my payments.
Reply from Consolidated Credit2025-12-01
Dear Aaron,
It's a pleasure to be working with you and we're glad the program has helped you meet your needs and goals! 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
Very Professional & easy to work with-every representative is understanding, and caring.
Reply from Consolidated Credit2025-12-01
Hi Tina,
We're delighted to hear you've received the high level of service you deserve! Thank you for choosing us as a partner in your financial journey. We’ve been counseling people through credit challenges for free since 1993! 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
J
JESUS H. · 1 review · Verified · Experienced 2025-11-11 ·
★★★★★
They helped me to negotiate with my…
They helped me to negotiate with my creditors. I’ll be saving a lot of money in the process. Their customer support really takes the time to explain how everything works.
Reply from Consolidated Credit2025-11-16
Hi Jesus,
We're happy to hear that our team helped you negotiate with your creditors. It's great to know that you'll be saving money and that our customer support was helpful in explaining the process. 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
The process was really simple to start, they lowered my monthly credit card bills from a minimum payment of $450 a month to a repayment plan of $240 a month with no interest. They wven gave me a free accounting session over the phone to help me budget better in the future and avoid going into any more debt
Reply from Consolidated Credit2025-11-16
Hi EF,
We're happy to hear that the process was simple and helped lower your monthly payments. It's great to know the accounting session was valuable for future budgeting. Thank you for the feedback! 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
Everyone I've spoken to has been very helpful and professional
Reply from Consolidated Credit2025-11-16
Dear Todd,
We're happy to hear that everyone you spoke with provided helpful and professional assistance. Thank you for sharing your positive experience with us! 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
Hi Charena,
Our teams work hard to make our program effective and convenient, and we're pleased to hear that effort paid off for you. Thank you 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
Dear Timothy,
Welcome aboard! It's a treat to have you along and we can't wait to see the progress you'll make in the program. We’ve been counseling people through credit challenges for free since 1993! 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
The ease of it all. It was the best outcome and excellent customer service.
Reply from Consolidated Credit2025-11-03
Hi Cherise,
Our teams work hard to deliver stellar service and we're pleased to hear that's what you received! It's a treat to be working with you. 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
Consolidated Credit made it possible to finally pay off a debt that would have taken me decades to do. I was taken advantage of by a lender who used the old trick of fine print to charge interest that rolled over and over for years.
I am very grateful to this company for help in getting the interest rate terms renewed.
Reply from Consolidated Credit2025-11-03
Dear Margaret,
It's a delight to help you out of a situation as unfair as that one! Congratulations on escaping that trap and we wish you the best now that you're finally free. 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
Service request for my case always helped and very patient
Reply from Consolidated Credit2025-11-03
Hi Brannoc,
We strive to provide helpful, responsive service and are pleased that's been your experience. We’ve been counseling people through credit challenges for free since 1993! 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
Hi Wilbert,
We're pleased to hear you've received the high level of service you deserve! We appreciate the chance to be part of your financial journey. We’ve been counseling people through credit challenges for free since 1993! 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
Dear Audra,
We strive to provide stellar service and effective programs and are delighted that's what you've received. 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
Great service, friendly, patient and knowledgeable staff!
Reply from Consolidated Credit2025-10-12
Hi Francesca,
It's a treat to hear you've had such a nice experience with our counselors! Thank you for 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
T
TOM M. · 2 reviews · Verified · Experienced 2025-10-06 ·
★★★★★
These people are great always helpful
These people are great always helpful. They all deserve a raise
Reply from Consolidated Credit2025-10-12
Hi Tom,
We're delighted to hear you've had such a nice experience with our team! We appreciate the opportunity to work with you. 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
M
Mary D · 2 reviews · Verified · Experienced 2025-10-08 ·
★★★★★
I have always had positive experiences…
I have always had positive experiences from the time of having this agency assist with my credit consolidation needs.
Reply from Consolidated Credit2025-10-12
Dear Mary,
We're grateful for the chance to work with you and are pleased to hear you've had such nice experiences with our service! We’ve been counseling people through credit challenges for free since 1993. 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
So far, everything has worked very smoothly. all ofmy questions have been answered.
Reply from Consolidated Credit2025-10-12
Dear Leigh,
We're glad your counselor answered all your questions fully and has set up your program well! Thank you for the 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
They are so consistent and helpful. User friendly and sadly I had to work with them again and hope I don't ever have to but if I did, they're my first choice.
Reply from Consolidated Credit2025-10-05
Hi Nichole,
It's a treat to know you've found our service and team members so consistently helpful and friendly! We understand it can be frustrating to have debt again but we're always here to help and know that life doesn't always go according to plan. 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
J
John H. · 3 reviews · Verified · Experienced 2025-09-28 ·
★★★★★
John review
My consultant was very helpful, she helped me find the card web sites and my balance on 2 cards. She also suggested that I pay what’s due on the cards. She also gave me an update on the letters that were sent to the banks.
Reply from Consolidated Credit2025-10-05
Hi John,
We're glad to hear your counselor was helpful and took the time to locate what you needed! Thank you for choosing us as a partner in your financial 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