Consolidated Credit
Last updated July 2026 · Educational overview — not an endorsement
Relief Guardian is not a credit counseling agency and does not recommend one agency over another. This page presents factual, publicly available information about Consolidated Credit.
Agency Overview
Consolidated Credit is a nonprofit credit counseling organization affiliated with the National Foundation for Credit Counseling (NFCC) and the Financial Counseling Association of America, offering Debt Management Plans and broader financial education.
Services Offered
- Free credit counseling
- Debt Management Plans (DMP)
- Housing counseling
- Financial literacy programs
Typical DMP Length
As little as 36 months in some cases, per Consolidated Credit — actual length varies
Accreditation
NFCC affiliated, Financial Counseling Association of America (FCAA) affiliated
Fees
Consolidated Credit states counseling is free; DMP fees vary by state and are disclosed during your assessment.
Potential Benefits
- Long operating history and large client volume, per company disclosures
- Offers housing counseling and financial literacy programs beyond DMPs
- Dual affiliation with NFCC and FCAA
Potential Considerations
- DMP repays the full balance owed, not a reduced amount
- Marketed program lengths and interest-rate reductions are illustrative — actual results depend on your creditors and balances
- Requires closing most enrolled credit accounts during the program
Frequently Asked Questions
How much can Consolidated Credit reduce my interest rate?
Consolidated Credit advertises interest rate reductions to a range of roughly 0–10%, but actual rates depend on your specific creditors and account terms.
Is Consolidated Credit accredited?
Consolidated Credit states it is affiliated with the National Foundation for Credit Counseling (NFCC) and the Financial Counseling Association of America (FCAA).
Learn More Directly From Consolidated Credit
Always confirm current fees, terms, and state availability directly with the agency before enrolling.
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