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      January 20, 2020

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Card Consolidation

  1. CuraDebt
  2. Credit.org
  3. LendingTree
  4. LendingClub
  5. SoFi
  6. Avant
  7. Accredited Debt Relief
  8. OneMain Financial
  9. Life Loans

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Best Credit Card Consolidation Programs

Credit card consolidation - is it right for you? If youíre 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, itís 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.

Continue reading below reviews

Best Reviews


2020

Credit Card Consolidation Reviews

5 stars
National Debt Relief

NATIONAL DEBT RELIEFTopConsumerReviews.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.

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4.5 stars
Curadebt

CURADEBT

CuraDebt offers a wide range of credit card consolidation and debt counseling services. The website is organized but a bit overwhelming to read. We advise giving yourself time to carefully peruse through every paragraph so you donít miss any important detail. Overall, this is a reputable and accredited company with a high customer satisfaction rate.

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4.5 stars
Credit.org

CREDIT.ORG

Credit.org is a non-profit credit and debt counseling service with a 45-year plus history of excellence and integrity. Best of all, their financial coaching is available at absolutely no charge. It is important to understand how credit.org is different than other companies in the debt services space. Credit.org provides an entirely free personal financial review along with an action plan that empowers you to make smarter decisions about your options to become debt free. Additionally, they can help you reduce your debt through debt management plans (where they may have the ability to reduce the interest rates you pay).

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4.5 stars
LendingTree

LENDINGTREE

LendingTree offers several ways to consolidation credit card debt. The site provides step-by-step options with the goal to help you pay off your debt and stay out of debt. New clients will appreciate choosing which loan best fits their needs.

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4 stars
LendingClub

LENDINGCLUB

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.

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4 stars
SoFi

SOFI

SoFi is one of the newest companies on the market when it comes to "social finance" (hence the name SoFi), and scores very high marks for their customer-friendly loan products. However, they donít offer services specifically for credit card consolidation: instead, they offer personal loans for paying off credit card balances. If youíre looking to just pay off your cards without an actual consolidation process, SoFi might be the right choice for you.

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3.5 stars
Avant

AVANT

Utilizing a clean and sophisticated website, the Avant lending platform offers financial solutions for anyone looking for consolidate debt. Avant provides access to unsecured personal loans ranging from $2,000-$35,000 with funding as soon as the next business dayá. To date, more than 500,000 customers have been served worldwide through the Avant platform.

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3.5 stars
Accredited Debt Relief

ACCREDITED DEBT RELIEF

Anyone looking for help consolidating credit cards will welcome visiting this very well-organized website. Accredited Debt Relief has a sound reputation and an A+ rating with the Better Business Bureau. You will have to find out if they serve the state you live in, but if they do, you will not be disappointed.

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3.5 stars
OneMain Financial

ONEMAIN FINANCIAL

One of the oldest financial institutions, One Main, formerly Citi Financial, offers experience and excellent customer service to meet your needs. The company is large and credit card consolidation is only one of many services they offer.

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3 stars
Life Loans

LIFE LOANS

Life Loans is not a lender or a credit card consolidation negotiator. Their service is free, but their primary focus is to offer personal loans. If you're looking to apply for a single loan to replace your existing loans, they may be a good choice; however those looking for help with credit card debt will not find specific information on this site for their situation.

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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!

How to Rebuild Your Credit History After Overcoming Debt

a national nonprofit credit counseling and debt management agency. "But they can - and will - if they focus on the necessary steps to change the way they approach their money and credit." Sullivan ...

Published:  Tue, 14 Jan 2020 23:30:00 GMT



Dave Ramsey: A debt consolidation company is not a magic pill

My wife and I made a resolution this year to pay off $20,000 in credit card debt we've accumulated. I want us to follow your plan and live on a really tight budget. She wants us to use a debt ...

Published:  Tue, 14 Jan 2020 08:23:00 GMT



Should you get a personal loan to pay off credit card debt?

In a perfect world, no one would need to take out a loan to consolidate and pay off debt. In the real world, however, there are times when borrowing money is the only way to dig your way out. This is ...

Published:  Thu, 16 Jan 2020 21:10:26 GMT



Consolidation In The Payments Space: What It Means For ISOs, Agents And Merchants

The payments industry is rapidly changing, with massive consolidation taking place. In 2019, almost every major player was either acquired or entered into a merger, to include: "Ę Fidelity National ...

Published:  Thu, 16 Jan 2020 07:26:00 GMT



Beware of debt consolidation companies

You might pay a little less each month, but you end up staying in debt longer. There are other problems involved in using debt consolidation companies, too. For one thing, it can trash your credit for ...

Published:  Sat, 18 Jan 2020 22:50:00 GMT



Great Lakes Credit Union announces Housing Counselor new hires

BANNOCKBURN, IL (January 17, 2020) - Great Lakes Credit Union (GLCU) is pleased to announce two new additions to the Housing Counseling team. Stephanie Ban and Violet Flemenbaum recently joined GLCU ...

Published:  Fri, 17 Jan 2020 13:32:00 GMT



Credit Card Debt Consolidation - What Are Your Options

With a consolidation loan, you're going to pay off your full debt and you're not going to have negative effects on your credit. One of the most common ways that people consolidate debt is through a ...

Published:  Thu, 26 Dec 2019 16:00:00 GMT



How to consolidate credit card debt to streamline your payments and lower your interest rate

Credit card consolidation can be an option to reduce the stress of multiple loans. Debt consolidation is the process of combining your debts from multiple lenders into a single loan, typically at a ...

Published:  Sat, 04 Jan 2020 07:34:00 GMT



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