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National Debt Relief vs LendingClub

Friday, May 14th

2021 Credit Card Consolidation Program Reviews

National Debt Relief Review 5 Star Rating

National Debt Relief

5 Star Rating
  • Cost: Free consultation. Rates vary per customer's needs and qualifications.
  • New Customers: 1-888-919-1355
TopConsumerReviews.com Best-In-Class Blue Ribbon Award

Experienced and boasting a reputation for high standards and success, National Debt Relief is dedicated specifically toward helping clients find financial solutions. Neat and organized, new clients should have no problem finding answers to questions or a plan to meet their needs.

LendingClub Review 3.5 Star Rating


3.5 Star Rating
  • Cost: Varies per customer's needs

LendingClub instills confidence with its clients through their transparent business approach. The site is very organized and informative. Loans are clearly presented, allowing those seeking financial solutions time to consider what loan might work for them. Though a younger company, LendingClub is highly praised and has received numerous service awards. New clients will be greatly impressed.

Credit Card Consolidation - is It Right for You?

If you're carrying a high interest rate across multiple cards, you may benefit from such services. With more and more Americans facing large medical bills, job loss, and other financial setbacks, credit card debt is higher than ever. And, with interest rates and late fees, it's not unusual for people to get in over their heads. Credit card consolidation helps consumers to better manage their debt and get back on solid financial footing once more.

One of the biggest benefits of credit card consolidation is a sense of relief: rather than worrying about multiple payments and due dates, customers can focus on a single payment - one that often saves them not only stress but also money, as consolidation usually results in interest rates that are much lower than the credit cards themselves.

The Best Credit Card Consolidation Programs Compare Credit Card Consolidation Programs Compare Credit Card Consolidation Program Reviews What are the best Credit Card Consolidation Programs Best Credit Card Consolidation Program Reviews

Credit Card Consolidation Program FAQ

Credit card consolidation is a strategy used to reduce debts by combining them all into a single payment. This is usually accomplished with a loan: the funds are used to pay off all open credit card lines in full, leaving the consumer with one monthly payment that is often much lower than paying the different debts individually.
If you're overwhelmed by your credit card debt and trying to avoid bankruptcy, consolidation might be the solution you've been searching for. Most providers of credit card consolidation services offer a free consultation, to determine what strategies are best for your situation.
That depends on which service you choose. Some credit programs focus more on counseling and helping you make better financial choices (which may include a consolidation loan), while others work with you to get a personal loan to pay off your credit card debts.
Yes. You could try negotiating with the credit card companies to lower your interest rate, reduce your monthly minimum payment, borrow money from family or friends, or get a side job to bring in extra cash to pay down your debt. However, if you're struggling, you probably have tried all of these things already and haven't had much success. Credit card consolidation can simplify your finances and allow you to obtain a better financial position.
It's likely that you'll see an improvement in your credit score after you go through the process of credit card consolidation. Your credit utilization should drop, and having a single monthly payment (instead of multiple credit card payments) should help you be on-time - both of which will boost your score.
That depends on the provider you select and their strategy for consolidating your credit cards. Many counseling services are completely free, while others may charge a fee to work with you. If you use a loan to consolidate your credit card debts, you can expect interest fees and possibly origination fees to process the paperwork. Read all of the terms closely before signing an agreement, so that there are no surprises.
Not exactly. If you're using a personal loan to consolidate your credit card debt, you really can't "get your money back" after you've accepted the loan. Be sure that you understand the terms and conditions of any loan you're considering before you sign on the dotted line. On the other hand, if you're looking at counseling services that are fee-based, some of them offer a refund policy for clients who aren't 100% satisfied with their services.
Definitely. Credit card consolidation is actually one of the most common reasons that thousands of Americans take out personal loans every year. Just remember that whether or not it works well for you will depend on the type of service you select (like counseling vs. a loan) and how well you follow its requirements (like using loan funds to pay off your credit cards instead of buying something you don't need!). No matter which route you choose, it's a good idea to see if the provider has a strong reputation with consumers and the Better Business Bureau, to boost your confidence that the credit card consolidation program is well-established and reputable.
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Continued from above...

Finding the right company to work with can feel overwhelming. Therefore, it is important that the right amount of time and research be given to allow yourself the opportunity to work with a company who will recognize the wisdom behind making such a financial decision while offering professional courtesy and encouragement. Fortunately, there are multiple reputable companies that provide these services.

As you choose the credit card consolidation provider that is best for your situation, you should keep in mind the following criteria:

  • Reputation. How long as the company been helping consumers with their credit card debt? Do they have a solid score with the Better Business Bureau and/or positive feedback from current and previous clients?
  • Cost. What should you expect to pay, if anything, for the service? Is there a free initial consultation? What payment plan should you expect moving forward?
  • Approach. How does the company carry out your credit card consolidation? Do you have multiple options from which to choose?

TopConsumerReviews.com has reviewed and ranked the best Credit Card Consolidation programs available today. We hope these reviews help you find a credit card consolidation provider that fits your personal situation!

Compare Credit Card Consolidation Programs

Select any 2 Credit Card Consolidation Programs to compare them head to head

  • National Debt Relief
  • Credit.org
  • Curadebt
  • Upstart
  • SoFi
  • LendingTree
  • LendingClub
  • Avant
  • Accredited Debt Relief
  • OneMain Financial
  • Life Loans
  • Payoff
National Debt Relief vs Credit.org National Debt Relief vs Curadebt National Debt Relief vs Upstart National Debt Relief vs SoFi National Debt Relief vs LendingTree National Debt Relief vs LendingClub National Debt Relief vs Avant National Debt Relief vs Accredited Debt Relief National Debt Relief vs OneMain Financial National Debt Relief vs Life Loans National Debt Relief vs Payoff Credit.org vs Curadebt Credit.org vs Upstart Credit.org vs SoFi Credit.org vs LendingTree Credit.org vs LendingClub Credit.org vs Avant Credit.org vs Accredited Debt Relief Credit.org vs OneMain Financial Credit.org vs Life Loans Credit.org vs Payoff Curadebt vs Upstart Curadebt vs SoFi Curadebt vs LendingTree Curadebt vs LendingClub Curadebt vs Avant Curadebt vs Accredited Debt Relief Curadebt vs OneMain Financial Curadebt vs Life Loans Curadebt vs Payoff Upstart vs SoFi Upstart vs LendingTree Upstart vs LendingClub Upstart vs Avant Upstart vs Accredited Debt Relief Upstart vs OneMain Financial Upstart vs Life Loans Upstart vs Payoff SoFi vs LendingTree SoFi vs LendingClub SoFi vs Avant SoFi vs Accredited Debt Relief SoFi vs OneMain Financial SoFi vs Life Loans SoFi vs Payoff LendingTree vs LendingClub LendingTree vs Avant LendingTree vs Accredited Debt Relief LendingTree vs OneMain Financial LendingTree vs Life Loans LendingTree vs Payoff LendingClub vs Avant LendingClub vs Accredited Debt Relief LendingClub vs OneMain Financial LendingClub vs Life Loans LendingClub vs Payoff Avant vs Accredited Debt Relief Avant vs OneMain Financial Avant vs Life Loans Avant vs Payoff Accredited Debt Relief vs OneMain Financial Accredited Debt Relief vs Life Loans Accredited Debt Relief vs Payoff OneMain Financial vs Life Loans OneMain Financial vs Payoff Life Loans vs Payoff
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