A
American Consumer Credit Counseling, Inc.
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Debt Reduction Services, Inc. Dba Money Fit in Boise, ID
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NFCC-certified nonprofit debt counseling and management organization licensed in all 50 states, offering free credit counseling and debt consolidation programs without originating loans.
Data compiled from public sources
Debt Reduction Services, Inc. Dba Money Fit Review
Debt Reduction Services, Inc. (DBA Money Fit) is a 501(c)(3) nonprofit organization established in 1997 that provides debt relief and credit counseling services. The organization is licensed in all 50 states, holds NMLS ID 1006969, and explicitly positions itself as a nonprofit debt relief advocate rather than a lender. The company's longevity in the sector and nonprofit status indicate a mission-driven approach to consumer debt assistance.
The organization offers a comprehensive suite of services including credit counseling, debt management plans, debt consolidation programs (without loans), payday loan relief, and collections debt help. They negotiate directly with creditors on behalf of clients and claim to reduce monthly payments up to 50% and interest rates up to 75%. Additional services include bankruptcy counseling (pre and post), housing counseling, student loan counseling, financial literacy education through Money Fit Academy, and listed assistance for military members and first responders. All initial consultations are offered free with no obligation.
What distinguishes Debt Reduction Services is its explicitly nonprofit structure combined with multi-state licensing and its stated commitment to advocate negotiation rather than debt replacement through new loans. The company maintains multiple educational resources including budget calculators, financial literacy courses, and a debt help center. They offer accessibility features including TDD assistance and provide services in multiple listed areas (high-cost lending counseling, homelessness prevention assistance, reverse mortgage counseling). Their website transparency about the non-loan nature of their programs and potential credit impact is notable.
The company's track record as a 26-year-old nonprofit with established creditor relationships suggests operational legitimacy. However, typical debt management program caveats apply: enrollment may negatively impact credit scores during the program period, and success depends on creditor willingness to negotiate and client adherence to payment plans. The organization's fee structure is not explicitly detailed on the homepage, which requires consumers to request consultation for pricing information.
Services & Features
Collections debt assistance and negotiation
Credit card debt relief negotiation
Credit counseling and financial assessment
Credit report repair analysis
Debt consolidation program (non-loan based)
Debt management plans with creditor negotiation
Housing counseling and homelessness prevention assistance
Military and first responder specialized debt assistance
Money Fit Academy financial literacy courses
Payday loan relief and counseling
Pre-bankruptcy and post-bankruptcy counseling
Student loan counseling and management
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- 501(c)(3) nonprofit organization with mission-driven debt relief approach rather than for-profit model
- Licensed in all 50 states with NMLS ID 1006969, indicating regulatory compliance and transparency
- Free initial consultation with no obligation, allowing with published refund terms assessment of debt situation
- Explicit clarity that programs are NOT loans—negotiations with creditors rather than debt replacement
- Comprehensive service offerings including listed counseling for military, first responders, and housing assistance
- 26-year operational history (since 1997) demonstrating organizational stability and creditor relationships
- Money Fit Academy and financial literacy programs included to support long-term financial behavior change
Cons
- Enrollment in debt management programs typically negatively impacts credit scores during active repayment period
- Fee structure not disclosed on website—requires calling for pricing information, creating lack of upfront transparency
- Success heavily dependent on creditor willingness to negotiate and individual client payment discipline
- Website makes broad claims (up to 50% payment reduction, 75% interest reduction) without clear disclaimers about typical vs. maximum outcomes
- Limited detail on average program duration, success rates, or client outcome data publicly available
State Consumer Finance Context
This is state-level context for Free Help consumers in Boise, ID. It does not confirm that Debt Reduction Services, Inc. Dba Money Fit or this specific location is licensed.
State regulator
Idaho Department of Finance
Consumer protection
Key state rules to check
- Idaho has no usury cap when interest rates are set in a written agreement.
- Payday lenders must be licensed but face no APR cap, leading to rates exceeding 400%.
- The Idaho Credit Code governs consumer credit transactions.
Complaint resources
- Idaho Department of Finance - State Regulator
- Idaho Attorney General Consumer Protection Division - State AG
- Consumer Financial Protection Bureau (CFPB) - Federal
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does Debt Reduction Services, Inc. Dba Money Fit offer?
Debt Reduction Services, Inc. Dba Money Fit offers 12 services including Credit counseling and financial assessment, Debt management plans with creditor negotiation, Debt consolidation program (non-loan based), Credit card debt relief negotiation, Payday loan relief and counseling, and 7 more.
What profile signals are listed for Debt Reduction Services, Inc. Dba Money Fit?
Debt Reduction Services, Inc. Dba Money Fit has profile signals associated with Consumers with $5,000+ in unsecured debt (credit cards, medical, collections) seeking negotiated consolidation without new loans, Military members and first responders with listed debt counseling needs and eligibility for targeted assistance, Individuals exploring bankruptcy alternatives who need pre-bankruptcy credit counseling and debt relief options assessment, Renters and homeowners facing housing instability who need integrated housing counseling with debt management.
What are the strengths and weaknesses of Debt Reduction Services, Inc. Dba Money Fit?
Key strengths: 501(c)(3) nonprofit organization with mission-driven debt relief approach rather than for-profit model; Licensed in all 50 states with NMLS ID 1006969, indicating regulatory compliance and transparency; Free initial consultation with no obligation, allowing with published refund terms assessment of debt situation. Areas to consider: Enrollment in debt management programs typically negatively impacts credit scores during active repayment period; Fee structure not disclosed on website—requires calling for pricing information, creating lack of upfront transparency.
How does Debt Reduction Services, Inc. Dba Money Fit compare to similar companies?
In the Free Help category, comparable providers include American Consumer Credit Counseling, Inc., Nanakuli Housing Corporation, Consumer Credit Counseling Services. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- Boise, ID
- BBB Accredited
- No
- Certifications
- HUD-Approved
CreditDoc Profile Note
Research Note on Debt Reduction Services, Inc. Dba Money Fit
Debt Reduction Services is best suited for consumers with substantial unsecured debt who want nonprofit advocacy and creditor negotiation without taking on new loans, and who can tolerate temporary credit score impacts during the repayment period. The main caveat is that actual savings vary by creditor willingness to negotiate, and consumers must request consultation to learn specific fees and realistic outcomes for their situation.
Profile Signals
- Consumers with $5,000+ in unsecured debt (credit cards, medical, collections) seeking negotiated consolidation without new loans
- Military members and first responders with listed debt counseling needs and eligibility for targeted assistance
- Individuals exploring bankruptcy alternatives who need pre-bankruptcy credit counseling and debt relief options assessment
- Renters and homeowners facing housing instability who need integrated housing counseling with debt management
Updated 2026-04-29
More Free Help
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Nanakuli Housing Corporation
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C
Consumer Credit Counseling Services
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Quick Summary
- Debt Reduction Services, Inc. Dba Money Fit is listed as a Free Help provider in Boise, ID on CreditDoc.
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Next Steps
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