Nonprofit credit counseling organization providing free debt management programs, housing counseling, and financial education to help consumers overcome debt and build financial stability.
Data compiled from public sources · Rating from CreditDoc methodology
Consolidated Credit Solutions, Inc. is one of the nation's largest and longest-standing nonprofit credit counseling organizations, having helped over 10.2 million people in 30 years. The organization operates across the United States, Puerto Rico, and the Virgin Islands, providing comprehensive financial guidance through certified credit counselors. Their core mission is to empower families to overcome financial crises and build long-term financial stability through trusted education and professional counseling services.
The company offers a tiered suite of services including free credit counseling consultations with certified counselors, debt management programs designed to lower interest rates (0-10%) and reduce monthly payments (up to 50%), HUD-certified housing counseling for homebuying and home-saving assistance, reverse mortgage counseling for seniors, corporate financial wellness programs through their KOFE initiative, military financial services in partnership with Army OneSource and the VA, and extensive free financial education resources including videos, calculators, webinars, and interactive courses. Clients in debt management programs make one consolidated monthly payment to Consolidated Credit, which distributes funds to creditors, with typical payoff timelines of 36 months or less.
Consolidated Credit differentiates itself through its nonprofit status, HUD-certification for housing counseling, 30-year track record, high customer satisfaction ratings (4.7/5 based on 9,150 reviews), specialized programs for military service members and veterans, corporate wellness offerings, and completely free initial credit counseling with no obligation to enroll. The organization emphasizes consumer protection by helping clients avoid bankruptcy while simplifying debt repayment and protecting credit through negotiated interest rate reductions.
As a legitimate nonprofit, Consolidated Credit provides genuine value for consumers seeking debt management without upfront fees. However, their debt management programs work best for those with multiple debts and the income to sustain a 36-month repayment plan. The company's claims about payment reductions (up to 50%) and interest rates (0-10%) are typical for debt management programs but will vary significantly based on individual creditor negotiations and creditworthiness. Consumers should understand that debt management programs may have minor credit score impacts during enrollment, though the long-term benefit of debt elimination typically outweighs this.
Consolidated Credit Solutions, Inc. received 9 consumer complaints in the past 12 months. All complaints received a timely response from the company.
9
Complaints (12 months)
10.0%
Resolved with relief
Declining
Complaint trend
Most Common Complaint Categories
Yes. Consolidated Credit Solutions, Inc. is a registered company, headquartered in Plantation, FL.
Counseling available within 1-2 weeks of contact.
CreditDoc Diagnosis
Best for consumers with multiple debts and stable income seeking legitimate nonprofit debt management with certified counselors and no upfront fees. Primary caveat: actual interest rate reductions and payment savings depend entirely on creditor-by-creditor negotiations and vary widely—the 0-10% and 50% reduction figures are maximum potential outcomes, not guarantees.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-05-13
Nonprofit credit counseling agency offering free counseling, debt management programs, and HUD-approved housing help. Rated 4.7/5 from 9,144 reviews.
Best for: People with $10,000+ in credit card debt who want structured repayment without settlement, Homeowners or prospective buyers needing HUD-certified housing or foreclosure counseling
ISO-9001 accredited nonprofit credit counseling agency offering free consultations, debt management, and HUD-approved housing counseling to help consumers achieve financial stability.
Best for: Consumers seeking free, unbiased debt management education and budget counseling, Homebuyers needing pre-purchase credit preparation and down payment assistance guidance
InCharge Debt Solutions is a 27-year-old Orlando-based 501(c)(3) nonprofit offering free credit counseling, debt management programs ($32-34/mo), and HUD-certified housing counseling. 3.2 million clients served, $3.4 billion in debt repaid.
Best for: Consumers with $5,000+ in credit card debt who can afford monthly payments but need lower interest rates to make real progress, Individuals seeking free, certified nonprofit financial counseling before deciding on any debt strategy
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