Consolidated Credit Solutions

What Consolidated Credit Solutions does

Consolidated Credit Solutions is a Fort Lauderdale, Florida-based nonprofit credit counseling organization founded in 1993 that delivers debt management, housing counseling, credit counseling, and personal finance education services to individual consumers across the United States. The company's core offering is a structured Debt Management Program (DMP) in which certified credit counselors negotiate reduced interest rates with creditors and consolidate multiple unsecured debts into a single monthly payment; complementary services include HUD-approved housing counseling and foreclosure prevention, plus a free Debt Education Center with calculators and self-paced guides. The firm is licensed across at least seven states (Vermont, New York, Maryland, Michigan, Oregon, Kansas, Virginia) and certified to ISO 9001, with counselors holding the Certified Financial Counselor (CFC) credential.

Service delivery is built around a proprietary technology stack that includes a cloud-hosted client member portal, iOS/Android mobile applications with single sign-on and push notifications, and the Virtual Intelligent Counselor (VIC), an AI chatbot that conducts automated intake and financial assessment. The company also operates a TCPA-compliant contact system that uses AI-generated voice messaging for client notifications. According to the company, more than 10.2 million people have been helped since founding, with a 4.7/5 Trustpilot rating across 9,165 reviews.

The business model is regulated fee-based: counseling and consultation are free, with no application fee. Revenue is generated once a consumer enrolls in a DMP through a capped monthly service fee (Michigan benchmark caps fees at 15% of the debt under management), a one-time $50 initial enrollment fee, a $25 cancellation or default fee, and optional add-on purchases such as credit reports and educational products. Customer acquisition runs through an inbound call center (operating roughly 60 hours per week) and website lead generation, supported by a multi-channel digital marketing presence and recurring earned media coverage in CNN, Forbes, Kiplinger, MSNBC, USA Today, and Yahoo.

Name

Consolidated Credit Solutions

Legal name

Consolidated Credit Solutions, Inc.

Website

https://consolidatedcreditsolutions.org

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

101–250 employees

Short description

Consolidated Credit Solutions is a US nonprofit credit counseling organization, founded in 1993 and based in Fort Lauderdale, Florida, that helps individual consumers manage credit card debt, prevent foreclosure, and improve financial literacy via certified counselors, a member portal, and a mobile app.

Ownership category

akta.pro rank

Product category

Credit Counseling and Debt Management Services

NAICS

Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN)

akta.pro secondary industry

Credit Card Debt Consolidation Loans (FSAKAIAC)

Keywords

• Credit counseling services
• Debt management programs
• Housing counseling
• Financial education
• Debt consolidation advice

Headquarters

HQ city

Fort Lauderdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure

Revenue model

1. Debt Management Program Services: Monthly service fees charged to enrolled clients, structured as a percentage of the debt being managed. Fees are capped at 15% of the total debt amount under the management plan per Michigan licensing requirements.
2. Initial Enrollment Fees: One-time initial fee charged when establishing a debt management plan for a client. Capped at $50 per Michigan licensing requirements.
3. Optional Add-on Products: Fees for optional purchases such as credit reports, educational materials and products offered to clients who elect to purchase them.
4. Cancellation/Default Fees: Additional fees ($25) charged in the event of contract cancellation or default before successful plan completion, per Michigan law.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels10 records

Core offering

Consolidated Credit Solutions is a non-profit credit counseling organization that delivers free debt and budget analysis by certified credit counselors, then enrolls qualifying individuals into structured Debt Management Programs in which counselors negotiate reduced interest rates and consolidated monthly payments with creditors. The organization also provides HUD-approved housing counseling (including foreclosure prevention) and personal finance education, supported by a member portal, a mobile application, and a proprietary AI chatbot (VIC) for automated eligibility assessment.

Product overview

Consolidated Credit Solutions is a nonprofit credit counseling organization offering a suite of interconnected financial services. The core offering centers on debt management programs, credit counseling, and housing counseling services delivered through certified counselors. These primary services are supported by the Client Portal (Member Portal) and Mobile App, which provide enrolled clients with secure 24/7 access to their accounts, payment tracking, and communication tools. The Debt Education Center provides supplementary online resources and calculators. The proprietary Virtual Intelligent Counselor (VIC) is an AI-powered tool that analyzes client financial information through automated questionnaires to determine eligibility and provide recommendations. The company positions itself as a debt counselor rather than a lender, helping over 10.2 million people find relief from debt through structured management programs.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Management Program A structured debt repayment program where certified counselors negotiate with creditors on behalf of individual consumer clients to reduce interest rates, waive fees, and consolidate multiple credit card payments into a single monthly payment plan.
• Credit Counseling Services Professional credit counseling providing free debt and budget analysis, personalized debt reduction strategies, and ongoing support from certified credit counselors for individual consumers struggling with debt.
• Housing Counseling Homeownership education and counseling services for individual consumers including guidance on buying homes, using home equity, and foreclosure prevention delivered by certified HUD housing counselors.
• Personal Finance Education Financial education services including budgeting guidance, money management strategies, and tools to help individual consumers reach their financial goals.
• Debt Education Center Online resource center providing free step-by-step guides and personal finance calculators to help individual consumers understand and manage their finances.

Quantifiable outcome

• 10.2 million+ people helped find relief from debt
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• United Way of Broward CountyminorStrategic or Co-development PartnerCommunity partnership with United Way of Broward County, with popup information about the partnership displayed on the website. Indicates commitment to community service and local partnerships.
• National Foundation for Credit Counseling (NFCC)coreStrategic or Co-development PartnerNFCC member organization, the premier credit counseling industry organization. Partnership provides access to industry standards, best practices, and credibility as a member of recognized industry body.
• U.S. Department of Housing and Urban Development (HUD)coreStrategic or Co-development PartnerHUD-approved housing counseling agency status, allowing provision of housing counseling services that meet federal standards.
• Hope Now AllianceminorStrategic or Co-development PartnerMembership in industry alliance focused on foreclosure prevention and helping homeowners avoid foreclosure.
• Financial Counseling Association of America (FCAA)coreStrategic or Co-development PartnerProfessional membership association providing industry credentials and standards for financial counselors.
• Certified Financial Counselor Board of StandardscoreOthersCertifies credit counselors through CFC (Certified Financial Counselor) certification, ensuring professional competency of staff.
• National Industry Standards for Homeownership Education and CounselingcoreOthersCertification organization ensuring housing counseling services meet national industry standards.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Money Management International (MMI): Large non-profit credit counseling agency providing DMPs, housing counseling, bankruptcy pre-filing counseling, and financial education. Closest scale and service-line competitor to Consolidated Credit in the US non-profit counseling space.
• Clearpoint Credit Counseling Solutions: Non-profit HUD-approved credit counseling agency providing debt management, housing, and student loan counseling. Comparable to Consolidated Credit on service suite, accreditation profile, and target consumers.
• GreenPath Financial Wellness: Non-profit HUD-approved credit counseling and debt management agency offering DMPs, housing counseling, and financial education. Directly comparable to Consolidated Credit on mission, service mix, fee structure, and target consumer.
• American Consumer Credit Counseling (ACCC): Non-profit credit counseling agency providing debt management plans, housing counseling, and student loan counseling. Directly comparable to Consolidated Credit on services, target segment, and non-profit positioning.
• Credit.org (formerly Springboard Non-Profit Consumer Credit Management): Non-profit HUD-approved credit counseling agency providing debt management, housing, and student loan counseling services. Comparable to Consolidated Credit on accreditation, service lines, and consumer focus.
• Take Charge America: Non-profit credit counseling agency offering DMPs, housing counseling, and financial education. Closely comparable on non-profit model, fee structure, and consumer segment served.
• InCharge Debt Solutions: Non-profit credit counseling and debt management organization offering DMPs, housing counseling, and financial education. Competes head-to-head with Consolidated Credit on consumer DMP and housing counseling services.
• Apprisen Financial Advocates: Non-profit HUD-approved credit counseling and financial education agency offering DMPs, housing counseling, and bankruptcy counseling. Directly comparable mission and services to Consolidated Credit.

Broad incumbents

• Experian: Major consumer credit bureau providing credit reports, scores, monitoring, and identity services used by credit counselors and consumers for the financial assessment and education functions Consolidated Credit also supports.

Emerging players

• MoneyLion: Consumer fintech offering credit-building products, cash advances, and financial tracking tools that partially overlap with Consolidated Credit's personal finance and debt education offering, though delivered via a digital subscription model rather than human counseling.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/consolidatedus
• YouTubeyoutube.com/consolidatedcreditcs
• Facebookfacebook.com/consolidatedcredit
• LinkedInlinkedin.com/company/consolidated-credit
• Instagraminstagram.com/consolidatedcreditus
• Pinterestpinterest.com/consolidatedcs

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Consolidated Credit Solutions