Non-profit 501(c)(3) credit counseling organization offering debt management and financial education to help consumers become debt-free since 1998.
Data compiled from public sources · Google rating shown when a stored review count is available
Community Credit Counseling Corp. was established in 1998 as a licensed, bonded, and accredited non-profit organization operating under 501(c)(3) status. The organization has maintained BBB A+ accreditation since May 1, 2001, demonstrating sustained compliance with business standards. They operate nationally, serving consumers throughout the United States with a primary office located in Neptune, New Jersey.
The company offers credit counseling and debt management programs designed to help individuals and families reduce debt through education and negotiated payment plans. Their certified credit counselors provide personalized financial guidance, identify cost-saving opportunities by reducing expenses or lowering interest rates, and leverage established relationships with major American lenders to negotiate lower-cost listed terms. They position debt management as an alternative to bankruptcy and claim to help clients regain financial control through expert guidance toward debt freedom.
Community Credit Counseling Corp. distinguishes itself through certified counselors familiar with various financial assistance programs and their negotiating power with major lenders. The organization emphasizes relationships built with America's largest lending institutions, which they claim enables them to secure benefits not readily available to individual consumers. They offer free, no-obligation debt analysis consultations as an entry point for prospective clients.
The company operates as a legitimate non-profit with verifiable accreditation and established business history. However, the website provides limited specific details about program structures, fee transparency, success rates, or outcomes data. Their marketing emphasizes debt management as an alternative to bankruptcy without detailed explanation of how their programs compare to other non-profit credit counseling services or what realistic timelines and costs clients should expect.
When evaluating options, consumers should compare debt consolidation loans, which combine multiple debts into a single fixed-rate payment. Credit counseling through nonprofit agencies offers free budgeting help. For those whose credit has been damaged, credit repair services can address inaccurate negative items. Nonprofit counselors can help consumers evaluate whether an installment loan for debt consolidation makes sense given their income and existing obligations.
This is state-level context for Free Help consumers in Tinton Falls, NJ. It does not confirm that Community Credit Counseling Corp. or this specific location is licensed.
State regulator
New Jersey Department of Banking and Insurance
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Community Credit Counseling Corp. offers 12 services including Credit counseling and financial assessment, Debt management program enrollment and administration, Creditor negotiation and payment plan establishment, Interest rate reduction negotiation services, Expense reduction and budgeting guidance, and 7 more.
Community Credit Counseling Corp. has profile signals associated with Consumers seeking free credit counseling before considering bankruptcy, Individuals interested in negotiated debt management plans with multiple creditors, People wanting structured financial education paired with debt reduction strategy.
Key strengths: BBB A+ accredited since 2001 with documented business verification; Licensed, bonded, and IRS-recognized 501(c)(3) non-profit organization; Certified credit counselors familiar with multiple financial assistance programs. Areas to consider: Website lacks transparency on program fees, payment structures, or cost details; No published success rates, client outcomes data, or testimonials provided.
In the Free Help category, comparable providers include Fix My 3 Scores, Second Start Financial, The Credit Goats. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
profile signals for consumers seeking non-profit credit counseling and debt management alternatives to bankruptcy, particularly those with multiple creditors willing to negotiate. Primary caveat: the website lacks specific program cost information, success metrics, and detailed counselor qualifications, requiring direct contact to understand realistic outcomes and financial obligations before enrollment.
Fix My 3 Scores is a credit repair company that disputes inaccuracies on credit reports to help customers rebuild poor credit and qualify for major purchases.
Google rating from 87 reviews
Profile signals: Consumers with significant credit damage (repos, collections, charge-offs) who need major purchases (homes, vehicles), People preferring hands-on, personalized service over automated credit repair platforms
Second Start Financial offers debt settlement services that negotiate with creditors to reduce unsecured debt balances. They charge no fees until accounts are settled.
Google rating from 7 reviews
Profile signals: Consumers with $10,000+ in unsecured credit card or medical debt who can tolerate credit score impact, Those seeking to pay lump-sum settlements rather than consolidation or lengthy repayment plans
The Credit Goats is a credit repair company that disputes inaccurate negative items on credit reports using the Fair Credit Reporting Act (FCRA) to help consumers improve their credit scores.
Google rating from 25 reviews
Profile signals: Consumers with inaccurate, outdated, or erroneous items on their credit reports who want professional dispute assistance, People with multiple negative items (collections, charge-offs, hard inquiries) seeking coordinated removal efforts
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