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, catering for millions of Americans who find themselves deep in the red and are desperate for an escape.

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 than without their help

Free Consultation

Christian Credit Counselors has 25 years of experience as a non-profit debt consolidation company, making them one of the most experienced and the most valued company in this sector. The company provides free consultations with highly-qualified certified counselors for anyone who needs more information about the debt consolidation process, and anyone who requires assistance with debt, credit, and other such issues.

What's more, counselors at this highly respected company will put together a budget and debt analysis based on each customer's debt situation, taking into account everything from income and spending habits, to interest repayments and more.

Fast Recovery

Christian Credit Counselors promise all customers that they will pay off debt 80% faster than if their services were not used. This is not necessarily an area that they are unique in, as all debt consolidation companies, and indeed all debt settlement companies, should be able to hasten this process, but Christian Credit Counselors still work faster than the majority of companies in the sector.

In fact, Christian Credit Counselors can get everything completed within 2 to 3 years, which is a good 2 years quicker than the timeframe you can expect if you were to signup with many other major companies in this sector.

Of course, once you focus on the good companies and the highly rated companies, and you focus on debt consolidation and not debt settlement, then their claims become less impressive and more standard. For instance, you will find the same timeframes offered by the likes of DelRay CC and Trinity Debt Management, among others.

The Bad

  • Although it can be quick, it 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. They advertise the fact that they can pay off debt “80% faster”, and they work quicker than many other companies out there. 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.

The simple fact of the matter is that you can't know for sure if your case will be one of the quick ones or if you will be left on tenter hooks throughout half a decade. This can be worrying, but it's a similar story with many other companies and Christian Credit Counselors are by no means alone in this.

Lack of Transparency

CCC’s website lacks quite a bit of the information, including the key info that we typically use to rank the consolidation companies. This information is critical for individuals who are trying to decide which company to go with, and it's even more important for sites like ours and for the researchers tasked with reviewing these companies.

To give you an idea of what we mean, we couldn't find information regarding a refund policy, leading us to believe that they either don't have one or are inexplicably coy about the one that they do have. There is also very limited information on interest rates and industry accreditations.

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 analyses are just some of many great features offered by them, but there are more negatives here than there are positives as far as we are concerned. There is a concern, for instance, with the lack of information about interest rates, refund policies and accreditations, and for these reasons, we cannot recommend using them to help solve your debt concerns.

There are many great companies out there that we recommend above Christian Credit Counselors. We're not saying that Christian Credit Counselors are bad, far from it, we just believe that it's easier to trust these other companies on account of their transparency, their testimonials, and other information we have been able to glean from their website, their customer service reps, and their former customers. Take a look at Credit.Org and Delray to see a couple of these for yourself.