Credit Advisors Council

What Credit Advisors Council does

Credit Advisors Council is a privately-held, Orlando-based consumer credit services company founded in 2016 that provides credit counseling, credit repair, debt consolidation, student loan forgiveness assistance, identity theft protection, financial literacy education, and lawyer-backed legal services to individual consumers across the United States. The company serves distressed borrowers — individuals struggling with overwhelming debt, damaged credit scores, creditor harassment, or student loan burden — and operates under a direct-to-consumer model delivered through a 1-800 phone line (844-811-4110), online self-serve consultations, and a network of local partner offices that provide in-person counseling.

The company's underlying technology is undisclosed; service delivery appears to rely on trained legal professionals, certified credit counselors, and proprietary case-handling processes rather than a technology platform. The product surface spans eight service lines (Credit Counseling, Credit Repair, Building Credit, Student Loan Forgiveness, Debt Consolidation, Financial Literacy, Identity Theft Protection, and Legal Services), with credit repair and debt management plans as the flagship offerings. Average client outcomes cited include a 22% reduction in monthly expenses and credit score improvements from the low 500s to 650 within seven months; full credit repair typically requires 6-12 months.

The business model is multi-stream. Credit repair services use a hybrid pricing approach: an initial nominal fee followed by monthly subscription billing, or a pay-after-deletion model where clients pay only when items are successfully removed from their credit reports (per deletion, per item, or per bureau). Debt management plans generate recurring revenue over typical 4-5 year payment horizons. Student loan assistance and tax-related legal services are billed on a professional-services basis. Go-to-market relies on content marketing, SEO, and PR-driven "As Seen On" positioning across Forbes, Wall Street Journal, New York Times, CNBC, CNN, USA Today, and other top-tier outlets. The company is founder-owned with no disclosed external funding, no parent company, and 1-10 employees.

Name

Credit Advisors Council

Legal name

Credit Advisors Council

Website

https://creditadvisorscouncil.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Credit Advisors Council is a privately-held Orlando-based consumer credit services company founded in 2016 that provides credit counseling, credit repair, debt consolidation, student loan forgiveness, identity theft protection, and lawyer-backed legal services to individual consumers across the United States through phone, online, and partner-office channels.

Ownership category

akta.pro rank

Product category

Consumer Credit Counseling & Debt Management Services

NAICS

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

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Loan Brokers (6163)

akta.pro primary industry

Credit Repair & Credit Score Advisory (FSAEAFAD)

akta.pro secondary industries

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Consumer Credit Counseling & Budgeting (FSAEAFAA), Credit Card Debt Consolidation Loans (FSAKAIAC)

Keywords

• Credit counseling services
• Debt management plans
• Credit repair services
• Debt consolidation loans
• Student loan assistance

Headquarters

HQ city

Orlando

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Repair Services: Monthly credit repair programs requiring an initial nominal fee, consultations, and credit audit. Thirty days after the one-time fee for initial work, clients begin paying a monthly fee for continued services. Also offers pay-after-deletion plans where clients pay only when items are removed from their credit report, either per deletion, per item, or per bureau.
2. Debt Management Plans: Debt management plans where clients make fixed rate payments to the credit counseling company, which goes towards overall credit debt. Payment is typically made over 4-5 years.
3. Student Loan Forgiveness Services: Assistance with student loan forgiveness applications, consolidation, and repayment programs for federal and private student loans.
4. Debt Consolidation Services: Debt consolidation loans and debt management plans to combine multiple debts into single monthly payments.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Credit Advisors Council is a consumer credit services company that delivers credit counseling, credit repair, debt consolidation, student loan forgiveness assistance, identity theft protection, and lawyer-backed legal services to individuals struggling with debt and damaged credit. Services are delivered through phone consultations, online channels, and a network of local partner offices across the United States, with revenue generated primarily through monthly subscription fees for credit repair and debt management plans.

Product overview

Credit Advisors Council is a consumer credit services company offering a comprehensive suite of credit repair, debt management, and financial education solutions. The core offerings include Credit Counseling, Credit Repair, Building Credit, Student Loan Forgiveness, Debt Consolidation, Financial Literacy, Identity Theft Protection, and Legal Services. These services are delivered through a combination of credit counseling, debt management plans, and lawyer-backed consumer advocacy, designed to help consumers control debt, improve credit scores, and achieve financial stability. The company works with consumers nationally through both local partner offices and online/phone consultations.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Counseling Professional credit counseling for individual consumers: certified counselors work one-on-one with clients to review financial situations, build budgeting and money management plans, and recommend debt management strategies.
• Credit Repair Credit repair and restoration service that identifies and disputes inaccurate, outdated, or unverified items on consumer credit reports to improve credit scores. Offered via monthly subscription plans and pay-after-deletion plans.
• Building Credit Service that helps consumers add positive elements to their credit reports and improve overall credit scores through credit-building strategies for individuals and small businesses.
• Student Loan Forgiveness Assistance with student loan forgiveness applications, consolidation, forbearance, deferment, refinancing, and discharge options for federal and private student loan borrowers.
• Debt Consolidation Debt consolidation services including credit consolidation loans, debt settlement negotiations, debt relief programs, and debt management plans that combine multiple debts into single monthly payments, typically over 4-5 years.
• Financial Literacy Financial education service that teaches consumers budgeting, saving, investing, and credit management concepts to support informed financial decision-making.
• Identity Theft Protection Identity theft protection and recovery service including credit monitoring, fraud alerts, credit freezes, and guidance on protecting personal information and restoring credit after fraudulent activity.
• Legal Services Lawyer-backed consumer credit and legal services provided by licensed legal professionals who represent and advocate for clients in credit, debt, and tax-related matters such as IRS audits and loan modifications.

Quantifiable outcome

• Average 22% reduction in monthly expenses reported by clients
• +3 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Lexington Law: One of the largest U.S. credit-repair firms, also lawyer-staffed; offers credit repair, credit scores, and related consumer credit services nationally—directly comparable on positioning, service mix, and target customer to CAC.
• Sky Blue Credit: Direct-to-consumer credit-repair company offering monthly dispute plans, scoring, and credit education for individual consumers; matches CAC's core subscription-based credit repair offering.
• Credit Assistance Network: Online credit-repair and credit-restoration service targeting individual consumers with damaged credit using monthly subscription plans—overlapping service model and customer base with CAC.
• National Debt Relief: Leading U.S. debt-settlement provider focused on consumer credit card and unsecured debt; comparable to CAC on the debt-consolidation/relief side of the service mix and on direct-to-consumer acquisition.
• Freedom Debt Relief: Large U.S. debt-settlement company serving consumers struggling with unsecured debt; overlaps with CAC's debt consolidation and debt management plan offerings and target personas.
• Accredited Debt Relief: Consumer-facing debt-relief firm providing debt settlement, consolidation, and credit-counseling-adjacent services—comparable to CAC on multi-product debt-help positioning and consumer-direct GTM.
• Money Management International: Nonprofit credit-counseling agency providing HUD-certified housing counseling, debt management plans, and financial education—directly comparable to CAC's credit counseling and DMP services.
• GreenPath Financial Wellness: National nonprofit credit-counseling and financial wellness organization offering debt management plans, credit counseling, and financial education—overlaps with CAC's counseling and literacy offerings.

Broad incumbents

• Credit Karma: Mass-market credit-monitoring and personal finance platform owned by Intuit that offers free credit scores, monitoring, and recommendations—disrupts the addressable demand for paid credit-repair and counseling services.
• Experian: Major U.S. credit bureau and consumer credit-services provider (credit monitoring, score products, fraud resolution)—shapes the dispute and credit-repair ecosystem CAC operates within via its core product (the credit report).

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/credit-advisors-council

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 Credit Advisors Council