Delray Credit Counseling is a non-profit educational service. They prepare and provide consumers with the knowledge on how to build and maintain credit. For 15 years now, Delray CC has been helping people find their way to financial freedom.

About Delray Credit Counseling

Delray Credit Counseling is a non-profit consumer credit counseling agency that offers a plethora of free educational resources to clients who want to learn more about the financial world. Delray Credit Counseling also offers customers debt consolidation loans. For those struggling with credit card debt, Delray helps them find affordable monthly payments. In some cases, Delray Credit Counseling was able to help customers pay off $15,000 to $20,000 of debt in around 4 years.

Delray Credit Counseling Help

What You Need to Know

  • They are based in Fort Worth, Florida, but provide services across many states.
  • Their goal is to educate as well as to help, and you can find an array of educational material on their website.
  • They specialize in credit card debt, but offer assistance with many other types of debt as well.
  • They are not accredited by the BBB, but have many other accreditations.
  • They are responsive in dealing with complaints, so speak up if you have anything negative to say or you have a major issue you want them to resolve.

Delray Credit Counseling Review

There are a lot of positive reviews out there for Delray Credit Counseling, and these come from customers as well as review websites. However, there are also many bad reviews and complaints. It's a mixed bag, and in our own Delray Credit Counseling review we'll try to pick the details apart to get to the bottom of this one.

The Good

  • Provide a free consultation
  • A team of certified personal finance counselors (CPFC)
  • They are ISO Certified

Free Consultation

Delray CC has a toll-free number that prospective customers can use to talk about financial matters with a certified credit counselor, someone who understands their situation and is perfectly placed to help them with it.

Certified Personal Finance Counselors are also available to talk in person and can offer their assistance on a range of topics, with an emphasis on their debt management program. This program is designed to help clients consolidate their monthly payments into one reasonable monthly installment.

Low Fees

There are several factors to take into account when dealing with one of these debt management programs, including several fees.  It is reasonable to expect to pay 5% on the debt in addition to a monthly payment of $39, but the exact amount that you pay will differ from state to state and even from customer to customer.

In addition to the consolidation process, a reduction in interest rates is also possible, giving customers a chance to repay 100% of their debts quickly and easily. Generally speaking, interest rates fall between 6 and 9 percent and it is possible to get an overall reduction of as much as 30%.

Great Educational Resources

Finding a solution to your financial problems is made easy with Delray CC, as they have a vast collection of educational resources helping with all aspects of credit, debt, and debt management. They have information on bankruptcy, personal loans, credit loans, credit card debt, and a great deal more. What’s more, each menu on the Delray website includes several subcategories to help anyone looking to educate themselves on a host of financial matters.

Delray CC also update their information on a regular basis, which is somewhat unique but is also good to find. Far too many websites in this industry post the most basic of information and then leave it to grow old and obsolete. It's great to see an exception.

Delray Credit Counseling Reviews

The Bad

There are a lot of positives to this company, as discussed above, but there are also plenty of negatives that prospective customers need to be aware of.

  • A number of negative reviews
  • Not available in all states
  • Lack of transparency

Large Number of Complaints

The first issue we have with Delray is that there are a large number of client complaints about their services, pricing, support, and pretty much all other aspects of the company. Such reviews are not unusual, and it would actually be unusual if we didn't find any whatsoever, but the sheer volume of them is a little alarming, or rather it was initially.

The good news is that most, if not all of these issues were resolved quickly and expertly by the company. Customers will have bad experiences and they will leave negative reviews. It goes without saying. A good company is one that responds to such issues and tries to appease the customer as best it can, as opposed to one that doesn't get any negative reviews in the first place.

State Availability

We reviewed Delray CC extensively, but throughout our research we we could not find which states they operate in. If this was frustrating to us, we imagine it would be a nightmare to a prospective customer. There are a lot of sites out there that provide the same service, and the last thing that a customer wants to do is phone each of these just to get the basic info they need to run comparisons.


With all of the educational resources Delray has to offer online, one can’t help but feel a little disappointed at the lack of information about the actual company itself. It is very easy to become  frustrated with the amount of searching required to find answers to what are ultimately some very simple questions.

Delray Credit Counseling

The Bottom Line

Delray Credit Counseling is a great educational resource for anyone who is struggling with debt and looking to learn more about their situation, their options, and the intricacies of debt and credit on the whole.

The amount of information available to those who aren’t looking to disclose any personal information is vast and very impressive. They really have gone all-out in this area and even as a content site that specializes in similar material we are impressed.

Overall, we recommend checking out Delray Credit Counseling to see if they will fit your financial needs but also looking into our top recommended companies as these may be better suited. We have listed a few of them below to help your search. All of these scored the full marks from us and if you follow the hyperlinks you can read our reviews for yourself: