Consolidated Credit

Overall Rating


out of 10

Consolidated Credit

5701 West Sunrise Blvd. Fort Lauderdale, FL 33313


The Good

Has Helped More Than 6.5 Million Consumers Get Out Of Debt

A not-for-profit credit counseling organization in business since 1993, Consolidated Credit has helped more than 6.5 million Americans pay off their credit cards and other unsecured debt. It is one of the nation’s largest credit counseling agencies, with specialized programs for homeowners, members of the military, and hurricane victims, and proven processes to help virtually anyone get out of debt.

In addition to guiding people through a Debt Management Plan, Consolidated Credit’s licensed and certified credit counselors can offer advice on debt consolidation programs and even bankruptcy. Whether you have just a few thousand dollars in debt or more than $10,000, the Consolidated Credit team will work to find a solution that can help you achieve financial freedom.

Multiple Accreditations and Certifications Showcase the Company’s Stellar Reputation

Most credit counseling agencies have at least a few certifications, including BBB+ accreditation. But Consolidated Credit boasts no less than 10 certifications, including an ISO 9001:2000 certification, which means the organization has implemented, and maintains, a standardized Quality Management System focused on customer and creditor satisfaction.

Read to the end of our review to learn about Consolidated Credit’s other prestigious certifications and accreditations and why these designations show that Consolidated Credit is one of the most reputable and trustworthy credit counseling agencies you can trust today.


  • 25 years in business, millions of customers helped
  • Multiple accreditations and certifications, including ISO 9000
  • Positive consumer reviews show a commitment to customer satisfaction
  • Not-for-profit organization
  • Provides financial literacy education and helps under-served groups and communities
  • Get out of debt faster while preserving your good credit
  • Approved to provide housing counseling and other services
  • Ongoing credit counseling gives customers a strong financial base to build upon

Positive Consumer ReviewsShowcase Consolidated Credit’s Commitment to Consumers

With a 4.6-star rating on the BBB website, five stars on the Consumer Affairs website, and a 5-star rating with more than 1,500 reviews on Trustpilot, consolidated credit has an exceptionally favorable reputation.

The takeaway? Consumers trust Consolidated Credit to provide sound financial advice and a workable plan to pay off debt, save money, and achieve financial freedom faster.

Offers Many Solutions To Help Customers Get Out of Debt

Unlike a debt settlement firm, which provides one solution to your struggles with unsecured debt, Consolidated Credit offers consumers multiple options to pay off or reduce their debt. Think a debt management plan could work for you? Consolidated Credit will assist you through every step of the process.
The organization’s certified counselors can also advise you on other forms of debt consolidation, which can help save you money by combining your debt into a single monthly payment with a lower interest rate.
If debt settlement or bankruptcy seems to be your only solution, Consolidated Credit can put you on the right path.

Emphasis on Financial Literacy Education

Consolidated Credit offers educational and community outreach programs to support financial literacy in the regions it serves.

In its online resource center, you’ll find interactive courses such as Credit Dojo, which teaches basic budgeting, savings tips, and ways to consolidate debt and manage a mortgage. The site also includes more than 40 financial booklets in.PDF format, several financial calculators, articles written by certified credit experts, videos, and free webinars. Consumers local to the Miami / Fort Lauderdale region of Florida can also take advantage of free, in-person seminars and workshops.

Members of the Consolidated Credit executive team serve on the Chairman’s Board of the United Way of Broward County, volunteering to provide tools to improve education, income, and health in the area. The Consolidated Credit team partners with local banks, schools, and other companies and organizations to help teach people how to manage their money, get or stay out of debt, save for retirement, and achieve other important financial goals.

Their education and outreach also extend to social media, with highly active accounts on all major channels, where the group provides financial tips, contests, and more.

Not-for-Profit Credit Counseling Services Can Help Consumers Stay Out of Debt

By following a debt management plan, you may be able to preserve your credit rating while paying off your debt in as little as five years. You could also save money with a lower interest rate.

Even more importantly, Consolidated Credit’s certified credit counselors will give you the tools and education you need to stay out of debt, create emergency savings, and live a better life without the stress of unsecured debt. A debt management plan takes work, commitment, and time, but it could be the best way out of debt for you. Consolidated Credit has knowledgeable counselors on staff to help you make it happen.

Programs to Support Local Communities and the Military

Like many not-for-profit credit counseling agencies, Consolidated Credit offers specialized counseling to veterans, active military, and their families.

Consolidated Credit also works with businesses, banks, and educational facilities in Broward County, Florida, to improve financial literacy and support programs that encourage financial health and overall wellness in under-served communities.

The agency contributes time and money to many charitable organizations that support health, education, and financial stability on the local and national level, including the American Heart Association, LifeNet4Families, and others.

Approved by U.S. Department of Housing and Urban Development To Provide Housing Counseling

As part of its many not-for-profit services, Consolidated Credit is approved by the U.S. Department of Housing and Urban Development (HUD) to offer housing counseling for homeowners and those looking to buy a home.

These services include Home Retention and Foreclosure Prevention counseling, as well as Reverse Mortgage Counseling. Credit counselors can also help first-time homebuyers determine if buying a house is a wise financial choice for them right now.

About Consolidated Credit

Founded in Broward County, Florida, in 1993, Consolidated Credit has been BBB-accredited since 1998. It remains one of the largest credit counseling agencies in the U.S. and serves consumers across the country as well as in Puerto Rico and the Virgin Islands.

The company emphasizes financial education and community outreach, with specialized financial wellness programs that businesses can provide for their employees. Unlike debt settlement firms and for-profit debt relief agencies, Consolidated Credit is a reputable, not-for-profit credit counseling agency with a team of certified credit counselors working to serve consumers.

The Bottom Line

With stellar consumer reviews and multiple prestigious certifications and accreditations, Consolidated Credit is a trusted organization that has helped 6.5 million Americans get out of debt. The organization’s 25-year history and its positive standing in Broward County communities demonstrate that you can trust the credit counseling agency to help you achieve financial freedom.

In a crowded field, only a handful of organizations stand out with the knowledge, reputation, and record for customer satisfaction that you will find at Consolidated Credit. The company’s proven processes make it a safe choice for credit counseling. Calling Consolidated Credit is a financial decision you can feel secure about.


Customer Satisfaction


With a long-standing reputation of 25+ years as one of the nation’s largest credit counseling agencies, it’s not surprising that Consolidated Credit has earned thousands of positive reviews from satisfied customers.

Consolidated Credit has a 4.6 (out of 5) star rating on the BBB website, with 70 percent positive reviews. Even more outstanding is the organization’s Trustpilot rating: 5 stars with more than 1,500 reviews.

For instance, Terrie B. writes: “The program was great. I was able to cope with a burden of debt after a divorce that seemed insurmountable, along with everything else, but the program eased the pain.”
ConsumersAdvocate.org gives Consolidated Credit a 9.4 out of 10 rating, with scores of perfect 10 for Reputation, Qualification, and Pricing & Fees. The organization earned an 8 for services because it does not provide debt settlement or bankruptcy filing assistance.

Consumer Affairs reviewers give Consolidated Credit an average of 4.9 stars, with 272 ratings submitted in the past year. Denise, a verified reviewer in Saratoga, CA, writes: “They have provided me with monthly payments I can afford and massive reduction in interest. Now I’m actually paying off principal! I cannot recommend them enough. I’ve been treated with respect and I feel like they genuinely care about my progress.”

Variety Of Services


Consolidated Credit specializes in debt management programs through debt consolidation. Their trained and certified counselors will walk you through the process of lowering your interest rates, consolidating debt, and making manageable payments every month.

As a not-for-profit credit counseling agency, it does not issue loans, assist with bankruptcies, or settle outstanding debt with your creditors.

But it does provide many services that other credit counseling agencies do not, including specialized counseling for hurricane victims; programs for military members, veterans, and their families; and counseling for homeowners.

Consolidated Credit also provides extensive financial literacy resources on its website, hosts live workshops and works with the communities it serves to promote financial wellness.

Experience And Recognition


As one of the nation’s top credit counseling agencies, Consolidated Credit has a 25-year positive reputation. The organization has also garnered many honors and achieved recognition within Broward County, Florida, and beyond.

In 2015, Consolidated Credit earned a Certificate of Distinction from the U.S. Department of Defense for the organization’s support of members of the Armed Forces. The credit counseling agency also received a letter of appreciation from the U.S. Army Garrison Manager in Miami.

These honors, of course, are in addition to thousands of positive customer reviews. Consolidated Credit also has a strong social media presence, with active accounts on almost all the major social networks, including nearly 15,000 Facebook "likes," 8,665 Twitter followers, 1,866 subscribers to their YouTube channel, 84K monthly Pinterest viewers, and 6,160 Instagram followers.

Licensing And Accreditations


Consolidated Credit has more accreditations and certifications than many other debt relief firms. The most noteworthy is the organization’s ISO 9001:2000 certification. ISO certification, issued by the International Organization for Standardization (ISO), is recognized worldwide. The certification process is rigorous, requiring an audit of the company’s Quality Management System by an independent third-party agency. This audit is repeated frequently to ensure adherence to the standards and continued certification. As part of this certification, Consolidated Credit is accredited by the ANSI-ASQ National Accreditation Board (ANAB) for its management systems. In short, this prestigious certification ensures consumers receive high-quality service from Consolidated Credit.

But the organization’s accreditations don’t stop there. As expected, the company is accredited by the Better Business Bureau with an A+ rating since 1998. Staff members and company leaders are certified financial consultants or certified credit counselors. Consolidated Credit is also a member of the Financial Counseling Association of America (FCAA).

Finally, Consolidated Credit is approved by HUD to provide housing counseling and, further, follows the National Industry Standards for Homeownership Education and Counseling.

Whether you approach Consolidated Credit for housing counseling, foreclosure prevention, or pre-purchase counseling, Consolidated Credit professionals follow specific, effective guidelines to assist you.

Expert Review


As a not-for-profit 501(c)(3) organization, Consolidated Credit is dedicated to acting in the best interests of their clients. Providing a variety of services, from credit counseling and debt management plans to housing counseling and financial education, Consolidated Credit is a trusted name in debt relief and financial solutions.

Exemplary consumer reviews, combined with a long list of accreditations and a strong reputation for excellent service to their customers and within South Florida communities set Consolidated Credit apart.

Whatever help you need to get out of debt, get your finances in order, or even maintain good credit and sound financial health, Consolidated Credit is dedicated to your success. The initial consultation, along with their financial education services, are free, so there is no risk. Calling Consolidated Credit may be one of the best things you can do for your financial future.


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