Consolidated Credit Counseling has helped over 5 million people get out of debt since 1993. This company focuses on combining credit card debts into one monthly payment with a lower interest rate than what you are paying. On average, customers pay 30 to 50 percent less than their current payments.

For one customer, Consolidated Credit was able to turn $50,000 of debt from multiple credit cards into one payment and lower their interest rate from 29 to 6 percent. In addition to consolidation services, Consolidated Credit offers budgeting advice, credit counseling, financial distress from life events counseling, financial advice, and housing counseling.

About the Company

Consolidated Credit Counseling is based in Florida, and offers credit counseling services to people in several states. They have been in business since 1993 and were accredited by the BBB in 1998. Throughout that time they have been one of the biggest players in this industry and have helped many thousands of Americans to escape the clutches of debt.

The BBB lists their company size as “between 51 and 200” and their revenue is estimated to be between $10 and $20 million.

Working for Consolidated Credit Counseling

Consolidated Credit Counseling train their employees to become financial advisors, but there are suggestions that they don't earn the sort of wage expected of people in such a role. In fact, one former employee stated that they were trained “as financial advisors, but [paid as] customer service agents”.

This isn't that far from the truth as the payment in question was $12 an hour, while financial advisors earn in excess of $90,000 a year on average, or about $40 to $50 an hour on a standard full-time contract.

This “low-pay” complaint is echoed by employees who actually seem to enjoy their job. But to give Consolidated Credit Counseling their dues it's fairly common for major credit counseling companies. They offer to train their employees and give them experience, and they understand that those employees will use the job as a stepping stone.

A lot of the employees we have spoken to have nothing but good things to say about the working environment, the management and the job satisfaction, so if you can deal with the relatively low pay (at least when compared to the skill-set requirement) then Consolidated Credit Counseling is a great place to work.

Are Consolidated Credit Counseling Hiring?

Companies like Consolidated Credit Counseling are always hiring. It's a tough job and one that also serves as a stepping stone, so on the one hand they have people quitting and on the other hand they have people leaving for bigger things.

The vast majority of their hiring is done online, so keep an eye on their listings on job sites, LinkedIn, and on their website. They also hire a small number of workers through recruitment agencies, but considering these agencies take a cut and offer limited benefits, we wouldn't recommend going through them

Consolidated Credit Counseling

The Good

  • Available nationwide
  • No cancellation fees
  • Low-interest rates

Low-Interest Rates

Most consolidation companies wait until the customer is committed to them before letting them know what their interest rate will be. This is not the case with Consolidated Credit. Although they don’t reveal their interest rates online, they claim they can get interest rates down around 6 to 10 percent on each credit card. This gesture is just one of many ways this company tries to stay honest with their customers.


When we look at customer reviews of Consolidated Credit, all we see is a lot of appreciation and positive experiences with the courteous and helpful credit counselors. Not to mention, many reviewers report being extremely satisfied with the amount of time it took to pay their debts. Available nationwide Transparent, low-interest rates Certified credit counselors ISO and AICCCA certifications Cancel at any time with no fees Get started with Consolidated Credit

The Bad

  • Higher than Normal Up-Front Fees
  • Bad Reviews

Higher than Normal Up-front Fees

In comparison to other consolidation companies, Consolidated Credit Counseling has a higher up-front fee of $69. From the research we conducted, we found that the industry average was $56. Although this can be a deterrent, keep in mind this is a one time fee, and it’s only somewhat higher than the national average.
Consolidated Credit Counseling Help

Negative Reviews

Although negative reviews are hard to find with this company, there are some apparent complaints such as some customers wishing they could have an up-to-date balance on their accounts. One customer states she had problems with the payment due each month.

There are also a number of complaints to the Better Business Bureau, but these seem to have been handled promptly by the company. There are unresolved issues and customers who are not satisfied with the resolution, but after spending some time reading through these we believe that Consolidated Credit has done what is expected of them and is not in the wrong.

These complaints and the prompt replies that follow them is good news for anyone thinking of doing business with Consolidated Credit. There are a lot of companies out there that only offer internal complaint procedures and are not even remotely interested in any customers who believe they have been wronged. But in this case you know that you will have recourse for action should something happen.

Consolidated Credit Counseling Reviews

The Bottom Line

Consolidated Credit Counseling is honest and upfront with their prices and what states they operate in. It must be noted that finding a company with this kind of transparency is rare in the consolidation industry, and it's a welcome sight.

A certified counselor is available to give you a straightforward and honest price quote, and to answer any additional questions that you have about this company. We recommend engaging Consolidated Credit for any credit debt you may find yourself with.

Contact Information

  • Website:
  • Email Address: Contact Form on Website
  • Hours: Monday-Thursday 8AM to 10PM EST; Friday-Saturday 8AM to 8PM EST; Sunday 9AM to 5PM EST
  • Address: 5701 West Sunrise Blvd., Fort Lauderdale, Florida 33313