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Its customer service is highly regarded in the industry.Customers get quick responses to calls and emails, and company representatives undergo three months of training before taking calls.Here’s more on choosing a service to meet your needs, along with detail on how we arrived at our ranking of 10 systems.Sometimes you reach a point where debt becomes overwhelming.Finding a Personal Consolidation Loan Using a Balance Transfer Consolidating Student Loans Community Q&A Loan consolidation can save you money if done right.You consolidate loans by rolling all your little loans into one bigger one.To come out ahead, you need to find a consolidation loan with a low interest rate and a reasonable term.
If you value customer service most, Freedom Debt Relief is a good choice.You can get your free annual credit report from each of the three major credit reporting agencies — Trans Union, Equifax and Experian.And, Credit.com’s free credit report summary can help you understand what’s inside your credit report. There are several safe and smart ways to consolidate credit card debt, so you’ll want to research them before deciding what’s best for you. Debt consolidation is a third-party payment system. Agencies range in quality so make sure you shop around. Most debt consolidation plans are structured the same way. They ensure member agencies pass rigorous standards set forth by the Council on Accreditation or another approved third party, and that their counselors pass a comprehensive certification program. Financial institutions don't give preferential treatment to any one organization, nonprofit or otherwise. However, if you just happen to have accounts with creditors that don't offer any concessions, that benefit is reduced. Look for a nonprofit credit counseling organization that belongs to either the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA).