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American Consumer Credit Counseling vs Consolidated Credit

Monday, July 14th

2025 Credit Counseling Service Reviews

American Consumer Credit Counseling Review 4.5 Star Rating

American Consumer Credit Counseling

4.5 Star Rating
  • DMP fees: $39 setup fee; $7 to $70 monthly maintenance fee (average $25/month)
  • Free initial credit counseling session and budget consultation
  • Extensive availability: weekday evenings until 11:30 PM EST and Saturday hours
  • Comprehensive educational resources and financial tools
  • Specialized support for military, seniors, students, and small businesses
  • Multiple debt solution options including bankruptcy counseling and housing services
  • Strong creditor relationships for interest rate negotiations
  • Exceptional customer service earns an "A+” from the BBB
  • Over 3,800 5-star Google reviews
  • NFCC member and COA accredited

If you're looking to tackle your debt head-on with expert guidance, American Consumer Credit Counseling stands out as one of the most reliable credit counseling services available. Their combination of remarkably affordable fees (starting at just $7 monthly for debt management), extensive educational resources, and stellar customer service has earned them thousands of glowing reviews. Not only do they offer late-night and weekend availability to fit your schedule, but their counselors are consistently praised for their judgment-free, compassionate approach. We give ACCC 4.5 out of 5 stars and particularly recommend them for anyone seeking a well-established, accredited credit counseling service that offers comprehensive debt solutions - with a proven track record of helping clients become debt-free.

Consolidated Credit Review 4.5 Star Rating

Consolidated Credit

4.5 Star Rating
  • Monthly DMP fees capped at $79, with most clients paying around $40; no setup fee
  • Extended business hours including evenings (until 10 PM) and Saturdays
  • "A+” BBB rating and 4.8/5 stars from over 9,000 Trustpilot reviews
  • Comprehensive online Virtual Intelligent Counselor tool for initial assessment
  • 30-60 minute thorough credit counseling consultation with soft credit check
  • Extensive library of financial education resources, including live webinars
  • Specialized content for different age groups, including kids and teens
  • Multiple communication channels including phone, email, and live chat
  • Member of the Financial Counseling Association of America (FCAA)
  • Debt management programs typically completed in 3-5 years

If you're feeling overwhelmed by credit card debt, Consolidated Credit offers a supportive path forward with their debt management programs and financial education resources. Their certified counselors take the time to understand your unique situation and build a personalized plan to help you become debt-free, typically within 3-5 years. While their average monthly fees (capped at $79) could be slightly higher than some competitors, they make up for it with extended evening and weekend hours, comprehensive educational tools, and an impressive track record of helping people succeed. We especially recommend Consolidated Credit for working professionals who need flexible scheduling options and for anyone looking for a thorough, education-focused approach to conquering their debt.

What is the Best Credit Counseling Service?

If you're overwhelmed by debt or want to improve your financial health, you're not alone. Here's a sobering reality: if you're dealing with credit card debt, you're twice as likely to experience anxiety and depression. With 46% of Americans carrying credit card debt (averaging over $7,000), this is a widespread issue affecting both mental and physical health.

Think of credit counseling as your financial GPS - it helps navigate you from debt to financial freedom. Whether you're juggling multiple credit card payments or considering bankruptcy, professional credit counselors can create a roadmap tailored to your situation. They don't just crunch numbers; they can provide financial peace of mind and the support you need during this journey.

The Best Credit Counseling Services Compare Credit Counseling Services Compare Credit Counseling Service Reviews What are the best Credit Counseling Services Best Credit Counseling Service Reviews

Credit Counseling Service FAQ

Credit counseling is a broad term used to refer to any advice or assistance regarding consumer credit. This could be a database of articles about topics like student loans or credit scores, programs designed to work with creditors to consolidate your debt, or even one-on-one guidance from an experienced advisor.
That depends on where you go for services. Some programs do an in-depth analysis of your financial situation and help you remove negative entries on your credit history or negotiate with creditors to manage your debt. Others provide advice about getting the best student loans or qualifying for a first-time mortgage. The spectrum of services included in credit counseling is broad: there's something for everyone!
According to the National Foundation for Credit Counseling, more than a million consumers take advantage of counseling every year. And, with so many Americans struggling with debts, unsure how to improve their credit scores, and questioning where to turn for the best advice, many millions more should be using credit counseling programs!
Many times, they're free! There are a lot of services whose programs come at no cost to you - and even the ones with nominal fees are usually very affordable when you consider the benefits of reducing your debt and improving your credit score.
For some programs, yes: you might need to have a certain minimum amount of debt (like $5,000). But, there are many credit counseling services where the only requirement is that you're interested in working with them to become better-educated and to get control of your finances.
The more thorough you are with your credit counselor, the more accurate the advice they'll be able to provide. Some documentation that can help them have the clearest picture would include your credit card statements, pay stubs from your employer, bank statements, and any notices you may have gotten from bill collectors or creditors.
Absolutely. Some credit counseling services have a history that spans decades, helping millions of people to understand how to make better decisions with their money. Of course, it's always a good idea to see what other consumers have to say before choosing which credit counseling provider to use. The Better Business Bureau is a solid resource for determining a credit counseling service's reputation and overall standing too.
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Continued from above...

Your plan might include a Debt Management Plan (or "DMP”). Your chosen credit counseling service will negotiate with creditors to potentially lower your interest rates and fees. You'll make one monthly payment to the credit counseling agency, and they'll distribute it to your creditors. This consolidation typically lasts 3-5 years, during which you'll close your credit cards and follow a strict budget. But, the payoff is worth it: lower monthly payments, reduced interest rates, and a clear path to becoming debt-free.

Ready to begin? Here's what you'll need: recent pay stubs, monthly expenses list, credit card statements, loan documents, and any collection notices. Some credit consultation services have digital tools that allow you to input your information and receive a budget plan without needing to speak to a consultant - after all, not everyone is in the same situation, and you might only need a nudge in the right direction.

If you'd rather have a guided approach, you can take advantage of a free 30-60 minute consultation where you'll discuss your situation and goals. After reviewing your financial picture, professional credit counselors can help create your personalized action plan.

Finding the right credit counseling service can feel daunting. With so many excellent non-profit credit counseling services to choose from, how do you decide? Here are a few things to keep in mind while you're conducting your research:

  • Accreditation. Is the service approved by respected organizations like the NFCC, FCAA, or BBB?
  • Fees. Have you reviewed their complete fee structure, including setup and monthly costs? Do they name a monthly cap? Remember that reputable non-profits usually offer free initial consultations.
  • Service range. Do their offerings align with your specific needs, whether that's basic budgeting assistance, student loan help, or a comprehensive debt management program? Do they have educational resources you're interested in accessing?
  • Support quality. How accessible and responsive is their customer service team? Will you have consistent support throughout your financial journey? Furthermore, do they have hours that match your availability?

Top Consumer Reviews has carefully researched and reviewed the best credit counseling services available today to help you find trustworthy support for your financial journey. In evaluating each service, we looked at what matters most to people like you - their credentials, how well they treat their clients, how upfront they are about costs, and the quality of their guidance. Our goal is simple: to help you connect with counselors who truly understand what you're going through, and can support you in getting out of debt and reaching your financial goals.

Compare Credit Counseling Services

Select any 2 Credit Counseling Services to compare them head to head

best-credit-counseling-services
  • Money Management International
  • American Consumer Credit Counseling
  • Apprisen
  • Consolidated Credit
  • GreenPath
  • Advantage Credit Counseling Service
  • Credit.org
  • Cambridge Credit Counseling Corp
  • DebtWave
  • NFCC
Money Management International vs American Consumer Credit Counseling Money Management International vs Apprisen Money Management International vs Consolidated Credit Money Management International vs GreenPath Money Management International vs Advantage Credit Counseling Service Money Management International vs Credit.org Money Management International vs Cambridge Credit Counseling Corp Money Management International vs DebtWave Money Management International vs NFCC American Consumer Credit Counseling vs Apprisen American Consumer Credit Counseling vs Consolidated Credit American Consumer Credit Counseling vs GreenPath American Consumer Credit Counseling vs Advantage Credit Counseling Service American Consumer Credit Counseling vs Credit.org American Consumer Credit Counseling vs Cambridge Credit Counseling Corp American Consumer Credit Counseling vs DebtWave American Consumer Credit Counseling vs NFCC Apprisen vs Consolidated Credit Apprisen vs GreenPath Apprisen vs Advantage Credit Counseling Service Apprisen vs Credit.org Apprisen vs Cambridge Credit Counseling Corp Apprisen vs DebtWave Apprisen vs NFCC Consolidated Credit vs GreenPath Consolidated Credit vs Advantage Credit Counseling Service Consolidated Credit vs Credit.org Consolidated Credit vs Cambridge Credit Counseling Corp Consolidated Credit vs DebtWave Consolidated Credit vs NFCC GreenPath vs Advantage Credit Counseling Service GreenPath vs Credit.org GreenPath vs Cambridge Credit Counseling Corp GreenPath vs DebtWave GreenPath vs NFCC Advantage Credit Counseling Service vs Credit.org Advantage Credit Counseling Service vs Cambridge Credit Counseling Corp Advantage Credit Counseling Service vs DebtWave Advantage Credit Counseling Service vs NFCC Credit.org vs Cambridge Credit Counseling Corp Credit.org vs DebtWave Credit.org vs NFCC Cambridge Credit Counseling Corp vs DebtWave Cambridge Credit Counseling Corp vs NFCC DebtWave vs NFCC
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