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Consolidated Credit review

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Our verdict

Access advice and debt relief solutions to get your finances back on track. 

Consolidated Credit Canada is a non-profit credit counselling service with a mission to help Canadians manage debt and overcome financial crises. It offers free credit counselling so you can learn about the options available to get out of debt, and can also help you enroll in and complete a debt management plan. However, make sure you're aware that a monthly admin fee applies if you enter a debt management plan.

Best for: Canadians who need help understanding their options for dealing with debt.


  • Free credit counselling
  • Lots of positive customer reviews
  • A+ Better Business Bureau rating


  • Monthly administration fee for debt management plan
  • Counselling is over the phone — some people might prefer face-to-face

In this guide

  • Our verdict
  • Frequently asked questions
  • Your reviews

What is Consolidated Credit Canada?

Consolidated Credit Canada is a non-profit credit counselling service based in Toronto that helps people across Canada. It offers free credit counselling via 1-2 phone sessions that take 30 minutes to 2 hours. These sessions let you speak to a counsellor about your financial situation and get advice on the options available to you to help you get out of debt.

You and your counsellor can discuss debt relief solutions such as budgeting, debt management plans, debt consolidation, home equity loans, consumer proposals and bankruptcy.

If a debt management plan is the best solution for you, Consolidated Credit can also help you enroll in and complete a plan. This includes ongoing support and financial counselling while you work to pay off the plan, put together a budget and take steps to improve your credit.

Is Consolidated Credit legitimate?

Founded in 2005, Consolidated Credit is headquartered in Toronto. It is an accredited member of the Ontario Association of Credit Counselling Services (OACCS), the Association of Credit Counseling Professionals (ACCPros) and the Canadian Association of Credit Counselling Services (CACCS).

Consolidated Credit is also Better Business Bureau (BBB) accredited and has an A+ rating from the BBB. It has thousands of positive customer reviews online too.

What we like about Consolidated Credit

  • Talk to a counsellor for free. Consolidated Credit is a not-for-profit service, so you can access free credit counselling to help you assess your financial situation.
  • Wide range of debt relief solutions. A Consolidated Credit counsellor can help you understand the many debt relief options available, from simple solutions like balance transfer credit cards through to more serious options such as consumer proposals and bankruptcy.
  • Ongoing support. If you enroll in a debt management plan, Consolidated Credit will provide ongoing advice and support to help you better manage your money and rebuild your credit.
  • Positive reviews. There are thousands of five-star Consolidated Credit reviews online from Canadians the counselling service has helped take control of their debt.
  • Educational resources. Consolidated Credit also provides a range of free financial education resources to help Canadians learn about managing money and controlling debt. These are easily accessible on the Consolidated Credit website.

What to watch out for

  • Counselling is over the phone. Consolidated Credit offers a phone counselling service, so it’s not ideal if you’d prefer to discuss your financial situation in-person with a counsellor.
  • Debt management plan costs. While counselling is free, keep in mind that you’ll pay a monthly administration fee if you enroll in a debt management plan. You’ll also need to pay a one-time setup fee.

Alternatives to Consolidated Credit Canada

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Name Product Free Phone Consultation Time to Debt-Free Requirements
12 - 60 months
$10,000+ in unsecured debt & a hardship that's preventing you from paying your creditors
A nationwide service that can help you find a solution to reduce your debt payments by up to 50%. Request a free consultation with a trained debt relief specialist. Services include debt settlement, consolidation, credit counselling, debt management, credit card debt, consumer proposal and bankruptcy.
Consolidated Credit Debt Relief
36 - 60 months
You need help getting out of credit card debt
Make one payment each month and Consolidated Credit will distribute the funds to your creditors on your behalf. Costs vary depending on the debt solution. Services include credit counselling, debt management, consolidation, credit card debt, home equity, consumer proposal and bankruptcy.

Consolidated Credit Canada reviews

Thousands of customers have left Consolidated Credit reviews online. Most reviews tend to be positive, with people mentioning honest, understanding and knowledgeable service to help them understand their situation and start taking steps to get out of debt.

However, those who left mixed or negative reviews complained about feeling rushed through the process or struggling to improve their credit score despite following the program.

Better Business Bureau accreditedYes
Better Business Bureau ratingA+
Trustpilot reviews4.9 out of 5 stars, based on 6,626 Consolidated Credit reviews
ConsumerAffairs reviews4.3 out of 5 stars, based on 81 Consolidated Credit reviews
Google reviews4.7 out of 5 stars, based on 1,289 Consolidated Credit reviews

* Reviews verified as of March 25, 2024

How much do Consolidated Credit services cost?

Counselling sessions with Consolidated Credit are free. If you enroll in a debt management plan through Consolidated Credit, you’ll need to pay a one-time setup fee and a monthly administration fee. However, the fee amount varies based on the total debt you owe, your budget and your financial situation.

You’ll need to attend one or two counselling sessions to find out exactly how much the service will cost.

What are Consolidated Credit’s eligibility requirements?

Any Canadian who is struggling to pay off credit card debt or other unsecured debt can access Consolidated Credit’s free counselling service. The counselling team will then work with you to determine which debt relief solution is the right one for you.

How to apply

You can get in touch with Consolidated Credit by phoning (877) 395-0920 or emailing

Alternatively, you can fill out an online form with the following details:

  • Your name
  • Your email address and phone number
  • Your city and province
  • Any questions you have

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