Christian Credit Counselors has been in the consolidation industry for over 2.5 decades. They provide free consultations with certified counselors with no obligation to employ them for their services. Overall, the company has helped over 300,000 people with their debt issues, and continue to employ the highest standards to this day.

Christian Credit Counselors focus on credit card debt above everything else and maintain Christian values (not to be confused with Christian Debt Counselors), promising to help individuals live debt free and “according to the values in the Holy Bible”. That doesn't necessarily mean that you have to be Christian in order to benefit from their services, but they certainly appeal more to followers of this faith.

Christian Credit Counseling

About Christian Credit Counselors

Christian Credit Counselors is a non-profit organization that offers clients a credit counselor to help them get back on track to financial freedom.

These credit counselors will work with the individual to provide a free debt analysis report and budget to aid them furthermore. Christian Credit Counselors consolidates credit by gathering all of the customer’s debt into one easy monthly installment and with lower interest rates. Overall, customers can expect a debt payoff within 24 to 60 months.

What You Need to Know About the Company

Christian Credit Counselors is a non-profit operating out of San Diego, California. They claim to have relationships with over 400 creditors and have been working in this industry for over two decades, helping 300,000+ Americans to become debt-free in that time.

Their goal is to educate, to help others find peace, and to spread the word of God. They were accredited by the BBB some twenty years after they were first founded and their operations are overseen by their President Mr. Greg McTaggart.

There aren't a great deal of reviews out there on Christian Credit Counselors, which is surprising for a company that has been going as long as they have and has worked with as many customers as they have, but what few reviews there are tend to be positive.

What You Need to Know About the Services

If you have questions about the service, keep reading. We have put together a short FAQ to cover some of the key points, questions that we had when we first looked into this company and questions that potential customers will no doubt have as well.

Is Christian Credit Counselors Available Nationwide?

Their services are available in 34 states.

How Much Does it Cost?

It all depends on your situation and your debt but there is a cap of $75 a month, so you will not pay anymore than this.

What Interest Rates Will I Pay?

These will be discussed at the point of enrollment and can vary quite significantly, anywhere from 0% to 15.99%.

Can They Help with Bankruptcy?

Christian Credit Counseling do not offer bankruptcy services, but rather they position themselves as an alternative to such services. If you feel like you have reached the end of your tether and bankruptcy is your only option, then a debt consolidation company like this provides you with a viable, less damaging alternative.

Christian Credit Counseling Help

The Good

  • Free consultation with a certified counselor
  • Get out of debt 80% faster

Free Consultation

Christian Credit Counselors has 25 years of experience as a non-profit company in the consolidation industry. The company provides free consultations with their certified counselors for those who want more information about the debt consolidation process. Moreover, counselors at CCC will put together a budget and debt analysis based on your current debt situation, income, and spending habits.

Fast Recovery

Christian Credit Counselors make a promise to pay off debt 80% faster than if their services were not used. They can get everything completed within 2 to 3 years and this is the timeframe that they like to emphasize on their site.

As far as the rest of the industry goes, these quicker times are fairly standard and they offer similar timeframes as other major debt consolidation companies, including ClearOne Advantage and Community Tax LLC.

The Bad

  • May take up to 5 years
  • Lack of Transparency

May Take Longer

As mentioned above, Christian Credit Counselors do offer quick turn-arounds in general and advertise the fact that they can pay off debt “80% faster”. But many customers will be disappointed to know that while the process can be completed in 2 or 3 years, it may also take as many as 5 years.

Obviously, this can persuade potential customers to go with another company, as there is no guarantee whether they will be one of the lucky ones or not.

Lack of Transparency

CCC’s website lacks quite a bit of the information we normally use to rank the consolidation companies. This information is critical for individuals who are trying to decide which company to go with. The following points were nowhere to be found on the company’s website: – Refund policy – Interest rates – Industry accreditations (ISO, FCAA, and NFCC).

Christian Credit Counseling Reviews

The Bottom Line

Christian Credit Counseling has more experience in this business than most other consolidation companies. Free consultations and debt analysis are just one of many great features offered by this company. There is a concern with the lack of information about interest rates and accreditations though, and for these reasons, we cannot recommend using them to help solve your debt concerns.