A Credit Counseling plan is a program that is designed to allow you to save thousands in interest. A This program will lower your interest rate. See if you qualify for credit counseling by calling one of our certified credit counselors to see if you qualify. Call 800-938-0092 and get a free analysis today.

Your creditors will be notified of your enrollment into a Credit Counseling Plan, and your accounts will be locked into a lower interest rate while remaining in the program.  If you decide to cancel your plan, your reduced interest rates and perks will be lost, and your higher rates will be reestablished.  Once all of you accounts are verified, you will only need to make a single payment to Meredian, and we will distribute your payment to your various creditors in a fashion to get your highest interest rate credit card debt paid off first.

A credit counselor will go over program details. If you do not have access to your information, our counselors, with your permission, can do a “soft pull” on your credit report. This has NO impact on your credit score, rather it gives the most updated information on your current credit card debt.
A free analysis will only take 5-10 minutes to determine if you qualify.
Credit counseling services are free of charge. If you decide to enroll in the plan, a small bill payment processing service charge that is regulated by law will be included as part of your payment.
Call one of our credit counselors at 800-938-0092. Option 2
This program should not affect your credit. Since your accounts will be paid on time and at a lower interest rate, your credit score should see some improvements. This program can actually help your credit.
Eligible debt is unsecured debt. Unsecured debt is debt that is not covered by an asset, unsecured debt includes:

Credit Cards

Department Store Cards

Medical Bills

Personal Loans

Collections Accounts

Secure debt is not included in Credit Counseling such as:


Car Loan

Student Loans

IRS Debt

Payday Loans

Yes, We recommend leaving at least one account open in case of emergencies.

To see if you qualify, call a certified credit counselor at 800-938-0092.  This is a free service, we are here to help.

You can not use your credit cards that the rates are reduced on. Making further purchases can run the risk of getting losing the benefits.
No need to talk to your creditors, our credit counselors will notify your creditors about enrolling in credit counseling.
Every program is customized to fit your needs. Based on your credit debt, and the amount you can pay each month, the average time to get debt free is 3-5 years.

Each month you will receive an email reminding you to login to your account and check the status of your program.

You are welcome to make increased payments, just notify our customer service department, and they can set up your increased payment.

Yes, call our customer service department and they can help you change your draft date.


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