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      September 19, 2017

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Card Consolidation

  1. CuraDebt
  2. LendingTree
  3. Lending Club
  4. Accredited Debt Relief
  5. SoFi
  6. Avant
  7. OneMain Financial
  8. Life Loans

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Credit Card Consolidation Better Business Bureau Reliability Seal

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

2017

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. Read More... Visit
Site

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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Site

4.5 stars
Lending Tree

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. Read More... Visit
Site

4 stars
Lending Club

LENDING CLUB

Lending Club instills confidence with its clients through their transparent business approach. The site is very organized and informative. Loans are clearly presented with no hidden fees, allowing those seeking financial solutions time to consider what loan might work for them. Though a younger company, Lending Club is highly praised and has received numerous service awards. New clients will be greatly impressed.
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Site

4 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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Site

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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Site

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 $1,000-$35,000 with funding as soon as the next business day. To date, more than 500,000 customers have been served worldwide through the Avant platform.
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Site

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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Site

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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Site

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!

American Consumer Credit Counseling: 2017 Review

Accreditation An outside body ensures standards of practice among counselors and oversight for agencies. Accredited through the National Foundation for Credit Counseling Online support Counseling services and educational resources, such as a debt ...

Published:  Fri, 15 Sep 2017 14:39:00 GMT



Consumer Credit Counseling expands services to vets in Niagara County

The nonprofit agency has added a third location in Niagara County to serve veterans. Consumer Credit Counseling Service has expanded with another location in Niagara County. The nonprofit opened a satellite office in collaboration with the Niagara County ...

Published:  Wed, 06 Sep 2017 14:11:00 GMT



Local credit counseling company responds to Equifax breach

NBC5 News Multimedia Journalist Elizabeth Ruiz was raised in Northern Colorado. She graduated from Colorado State University with a degree in Journalism and Media Communication. She also minored in Spanish and studied in Spain. While at Colorado State, she ...

Published:  Fri, 08 Sep 2017 19:09:00 GMT



5 steps to rebuild credit after prison

director of education at Cambridge Credit Counseling, a nonprofit credit counseling agency. As part of a pre-release program, Lynch offers credit and financial counseling to people who are about to get out of jail. While a fraction of prisoners have a ...

Published:  Thu, 07 Sep 2017 21:10:21 GMT



Credit card consolidation: Is it for you

LightFieldStudios/Getty Images Although it sometimes feels like it, having credit card debt is not the end of the world. People who have a lot of credit card debt often consolidate their outstanding balances into a single, lower-interest loan to pay down ...

Published:  Mon, 24 Jul 2017 17:00:00 GMT



Careers In Credit Counseling

If there's one lesson we've learned through the past couple of years of economic difficulties, it's that credit can have its fair share of pitfalls. Many people have found themselves in credit trouble, leading to a strong need for assistance to navigate ...

Published:  Tue, 08 Jan 2013 11:01:52 GMT



How Credit Counseling Helps

American consumers' financial problems are not over. There is still nearly $1 trillion in consumer debt outstanding, although many people have paid down some debt. There are still nearly a million personal bankruptcies every year, although the trend is ...

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