Trinity Credit Counseling, Inc. in Cincinnati, OH

Trinity Credit Counseling, Inc. is a non-profit organization providing credit counseling and debt management services to individuals and families experiencing debt problems. The company operates during business hours Monday through Thursday 9am-6pm ET and Friday 9am-5pm ET, with telephone access at 1-800-793-9049. Their mission centers on helping consumers regain control of their finances through professional guidance and structured debt reduction programs.

Trinity's core services include free initial debt analysis consultations with Certified Credit Counselors, non-profit debt management plans that consolidate unsecured debts into a single monthly payment, creditor negotiation to reduce interest rates and eliminate late fees, and comprehensive financial education. The company assists with credit card debt, medical bills, personal loans, and mortgage payment assistance. They claim to help consumers become debt-free in 3-5 years through their programs, with illustrative examples showing potential savings of $27,557 in interest on a $14,882 debt balance through negotiated interest rate reductions.

Trinity differentiates itself as a non-profit agency rather than a for-profit debt settlement company, emphasizing education alongside debt reduction. They provide free initial consultations, money management education, budget planning resources, and claim to reduce interest rates by up to 60% and lower monthly payments. The company serves multiple states including Alabama, Georgia, Illinois, Kentucky, Florida, Wisconsin, and North Carolina, with testimonials from satisfied clients.

As a free-help category counselor, Trinity's primary strength lies in offering no-cost initial consultations and education. However, the website lacks transparency about program costs, eligibility requirements, impact on credit scores during debt management plans, timeframes for creditor negotiations, or specific accreditations beyond mentioning "Certified Credit Counselors." The illustrative savings example, while potentially realistic, may not represent typical outcomes for all consumers.