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Credit.com Review

Editor's Note: This review has been removed from our side-by-side comparison because it no longer ranks as a top 10 product.

Our Verdict

With a stronger focus on debt consolidation, Credit.com would be a better competitor.

For

  • Their website is informative and easy to use.

Against

  • The debt consolidation makes you do the budgeting by yourself.
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Credit.com image: This is the homepage for this service.

Credit.com image: This is the homepage for this service.
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Credit.com image: Embarking on the debt consolidation journey with Credit.com is simply a matter of completing this online form.

Credit.com image: Embarking on the debt consolidation journey with Credit.com is simply a matter of completing this online form.
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Credit.com image: Completing the form shown on the previous screenshot results of this status screen and follow-up email and phone calls from Credit.com.

Credit.com image: Completing the form shown on the previous screenshot results of this status screen and follow-up email and phone calls from Credit.com.
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Credit.com image: This picture shows how to contact one of Credit.com's debt experts and also has some information about other debt options.

Credit.com image: This picture shows how to contact one of Credit.com's debt experts and also has some information about other debt options.

Editor's Note: This review has been removed from our side-by-side comparison because it no longer ranks as a top 10 product. The original review is below, but check out our Best Debt Consolidation companies.

Credit.com has a variety of services to assist you financially. They can help you find a personal, business, education, home and debt consolidation loan. Though they offer so many options, this review is focused squarely on the quality of their debt relief service. They provide unsecured loans, meaning the monthly payment and interest rates are determined by your credit score.

Their website ranks highly for ease of use. It's very easy to find the exact information you need when making a tough choice like starting a debt management plan. Fortunately, there are no upfront fees. You can also enroll online and receive a free quote. This debt relief service is meant to be simple, and it succeeds with its mobile site designed specifically for tablets.

For debt consolidation, Credit.com links to a budget planner called SavvyMoney. This in-depth planner allows you to write out every debt you have and create a payment plan based on priority. You can also decide how much you are looking to pay every month. There are several different schools of thought when it comes to paying off debts. With SavvyMoney, you can choose one of three: debt stacking, snowball or custom payments. This method of self-tracking is useful but doesn't justify the cost associated. Credit.com works better as a settlement service rather than a straightforward consolidation service.

Credit.com offers some financial and credit counseling information on its website. It includes articles about debt consolidation, the debt collection process and even some do-it-yourself debt reduction information.

Debt settlement program progress can be monitored online using the secure website, and customer service is available by both telephone and email. Our experience with Credit.com’s representatives was very positive and they were always helpful and frank.

Credit.com is a good overall site when looking for loans of all types. Sadly, their debt consolidation features aren't as hands-free as you'd hope. They use the budget planner feature of SavvyMoney and make you more accountable. Their debt advice is in-depth and quite helpful. If they put more emphasis on taking your financial stress away by appealing to your creditors, they would rank much higher.