Trinity's website includes links to financial resources that cover topics ranging from budgeting to credit reports and cash advance loans, plus its own library of ebooks.
Consolidates unsecured debts to one monthly payment
May help rebuild credit score
Multiple tools and resources for managing finances
Not accredit by the FCAA or IAPDA
No BBB page and outdated TrustPilot ratings
Website missing key information about costs
Undisclosed service limitations
How does Trinity Debt Management work?
Trinity Debt Management, also called Christian Credit Counseling, creates a plan so you can pay off your debt with a single monthly repayment. It negotiates with your creditors — and claims that it can lower your interest rates and late fees by up to 60%.
It also provides credit counseling services and educational tools so you can learn how to manage your finances and avoid accumulating large amounts of debt in the future.
How much does it cost?
Since Trinity doesn’t provide any information about fees online, it’s difficult to estimate the cost of the program. This lack of transparency also makes it difficult to compare Trinity to other debt management companies.
Online customer reviews mention low monthly fees, but you’ll have to contact Trinity directly to determine what fees you would be charged.
How much could I save with Trinity Debt Management?
Trinity’s debt management program is designed to lower your interest rates to help you pay down your debt faster. Trinity claims it can lower interest rates to between 5% and 10%. Many customers are able to pay off their debts within three to five years.
Is Trinity Debt Management legit?
Compare debt relief companies
Get a free quote from a top debt relief company before you commit to a program.
Debt relief companies typically charge a percentage of a customer’s debt or a monthly program fee for their services. And not all companies are transparent about these costs or drawbacks that can negatively affect your credit score. Depending on the company you work with, you might pay other fees for third-party settlement services or setting up new accounts, which can leave you in a worse situation than when you signed up.
Consider alternatives before signing up with a debt relief company:
Payment extensions. Companies you owe may be willing to extend your payment due date or put you on a longer payment plan if you ask.
Nonprofit credit counseling. Look for free debt-management help from nonprofit organizations like the National Foundation for Credit Counseling.
Debt settlement. If you can manage to pay a portion of the bill, offer the collection agency a one-time payment as a settlement. Collection agencies are often willing to accept a lower payment on your debt to close the account.
Trinity Debt Management reviews and complaints
Trinity Debt Management doesn’t have a BBB page — and the majority of reviews on its TrustPilot page are from 2018 or earlier. Positive customer reviews center on solid customer service and helpful agents. Many clients say they like the fact that Trinity is a Christian organization that successfully helped them pay down their debt. However, Trinity hasn’t taken the time to respond to any of its reviews, which may indicate lackluster customer service.
What is Trinity Debt Management?
Trinity has been in business for over 20 years and has worked with thousands of people through its debt management, community outreach and educational programs. It has a wealth of educational information online, including ebooks and links to financial resources.
How do I get started?
To register for a free debt analysis, visit Trinity’s website and follow these steps:
Click Get started now to launch Trinity’s registration form.
Enter information about yourself, including your full name and contact details.
Add information about your accounts, including the creditor’s name and your monthly payment.
Click Submit application.
I’ve signed up. What happens next?
A Trinity credit counselor will work with you to create a plan that fits your unique situation.
Wait to be contacted. A Trinity credit counselor will contact you within 24 hours of signing up.
Debt analysis. The counselor will perform a complete analysis of your financial situation.
Set up a payment plan. After your financial analysis has been completed, your counselor will then determine a payment plan designed to meet your needs.
Pay down your debts. Once you’ve locked yourself into a payment plan, start making payments and see them through until you are debt free.
Trinity offers debt management plans through a nonprofit structure. But before you sign up, compare your debt relief options to ensure you’re making the right decision for your finances.
Frequently asked questions
It can. Since debt negotiation requires you to stop payments on your bills while the company calls your creditors, you may see a drop in your credit score if your creditors report these defaults and settlements.
Yes. Canceled debt can be taxed as income. Talk with a tax advisor to discuss whether hardship or insolvency provisions apply to you.
Trinity Debt Management also goes by the name Christian Debt Consolidation & Counseling, and often refers to itself as a Christian debt management company.
Zak Ali is the Loans publisher for Finder, specializing in lending and money-saving strategies. Prior to working at Finder, Zak cofounded a news media website. He thrives on helping people make smart financial decisions. When Zak's not learning the ins and outs of insurance, he can be found soaking up the latest news stories and listening to his fave podcasts.
Trinity Debt Management is a nonprofit that offers credit counseling, housing counseling and debt management. Its debt management program has the potential to get customers out of debt quickly and efficiently. Though it claims to help clients pay down their debt in as little as three to five years, its website lacks transparency — and services may not be available in your state. And despite the age and experience of the company, it lacks accreditation by the BBB and AFCC.
At Finder, we value and respect our editorial independence. We keep our reviews completely factual so you can use them to make better decisions. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews.
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