Part of the Credit Counseling Hub: This post is one piece of my complete Credit Counseling: The Complete Guide — what a DMP costs, who it helps, the agency financial stability risk, and how to verify any agency before enrolling.
Quick Answer: Christian Credit Counselors is a nonprofit 501(c)(3) credit counseling organization offering debt management plans.
Before You Read This: I’m not rendering a verdict on Christian Credit Counselors. This is a research guide.
Post concerns in the comments. Evaluating their contract? Use my free Contract Decoder tool.
If you represent Christian Credit Counselors and something is inaccurate, contact me promptly.
Inside information? Post it publicly with your name attached.
The most valuable thing here may be the comments below. Read them and add your own.
Who Is Christian Credit Counselors?
An educated consumer is our best customer.— Sy Syms
New here? My Ultimate Consumer Guide to Checking Out a Debt Relief Company walks through vetting any company.
Christian Credit Counselors is a nonprofit 501(c)(3) credit counseling organization. Rather than repeat what they say about themselves, read their website directly and then come back here to do your research.
Step 1: Check Their Credentials
- BBB Profile: Better Business Bureau profile — check their rating, complaint history, and how they respond to complaints.
- NFCC Member Directory: National Foundation for Credit Counseling member directory — the primary professional association for nonprofit credit counseling agencies.
- COA Accreditation: Council on Accreditation — independent accreditation for social service and community-based organizations.
A Note on BBB Grades: The letter grade alone tells you little. Read the actual complaint text — the substance of what customers reported and how the company responded is far more useful than a letter grade.
Step 2: Check Consumer Complaints
Search Christian Credit Counselors’ complaint history in the CFPB database →
- What types of complaints are being filed?
- How did the organization respond?
- Are there recurring patterns?
- How does complaint volume compare to organization size?
Step 3: Read Their Trustpilot Reviews
Find Christian Credit Counselors’ Trustpilot reviews here:
- Are 5-star reviews about enrollment experience or actual debt payoff outcomes?
- The 2- and 3-star reviews are often the most honest — read those carefully
- Look at how the organization responds to negative reviews
- A sudden influx of 5-star reviews can signal solicited feedback
Step 4: Read Their IRS Form 990
As a nonprofit 501(c)(3), Christian Credit Counselors files an annual IRS Form 990 — which is publicly available to anyone who wants to look.
Find Christian Credit Counselors’ 990 filings on ProPublica’s Nonprofit Explorer →
- Executive compensation — what do the leaders earn?
- Revenue vs. expenses — how is money actually being spent?
- Program service revenue vs. grants — where does funding come from?
- Mission alignment — are resources going toward counseling services?
- Conflict of interest policy — does one exist and is it enforced?
Why This Matters: Nonprofit status means no corporate taxes — it does not automatically mean the organization is trustworthy or well-run. The IRS Form 990 is the most transparent window into how a nonprofit actually operates. Read it before you hand over your monthly payment.
Step 5: Ask the Right Questions Before You Enroll
Before signing anything: Run the contract through my Contract Decoder tool to understand what you’re agreeing to.
- What is the monthly fee for the debt management plan — and are there setup fees?
- How long will the debt management plan take to complete?
- What interest rate reductions have you negotiated with my specific creditors?
- Are you NFCC-member and COA-accredited?
- What happens if I miss a payment or need to withdraw from the plan?
- Will my creditors close my accounts when I enroll?
Before You Commit: Use my Find Your Path tool to make sure a debt management plan is actually the right option for your situation — there are other approaches that may serve your future better.
Key Takeaways
- Verify NFCC membership and COA accreditation — the two most important credentials for nonprofit credit counseling agencies
- CFPB complaints: patterns over raw numbers tell the real story
- Trustpilot: enrollment experience reviews are not the same as debt payoff outcome reviews
- Read the IRS Form 990 on ProPublica — nonprofit does not automatically mean trustworthy
- Get the fee structure and creditor interest rate reductions in writing before signing
- Read the comments below — they often contain the most current information
Want the full research playbook? My Ultimate Consumer Guide to Checking Out a Debt Relief Company covers every tool and source in this guide — plus detailed walkthroughs for reading BBB profiles, spotting Trustpilot red flags, and searching federal court records on CourtListener.
Frequently Asked Questions
Is Christian Credit Counselors a nonprofit?
Yes. Christian Credit Counselors is a nonprofit 501(c)(3) organization. You can verify their nonprofit status and review their IRS Form 990 filings via ProPublica’s Nonprofit Explorer.
How do I file a complaint against Christian Credit Counselors?
File with the CFPB at consumerfinance.gov/complaint, your state attorney general’s office, and the Better Business Bureau.
Is Christian Credit Counselors accredited?
Check the NFCC member directory and COA accreditation database for current membership and accreditation status.
What does Christian Credit Counselors do?
Christian Credit Counselors is a nonprofit credit counseling agency that offers debt management plans (DMPs). Through a DMP, clients make a single monthly payment to the agency, which then distributes funds to creditors — often at reduced interest rates negotiated by the counseling agency. The faith-based nonprofit also provides financial counseling and education services.
Should I use Christian Credit Counselors?
Run your situation through my Find Your Path tool first. Debt management plans work well for some people, but they are a multi-year commitment — and there are other options that may serve your future better depending on your specific situation.
Share Your Experience with Christian Credit Counselors
Have you worked with Christian Credit Counselors — as a client, employee, or in any other capacity? Share your experience in the comments below.
To share: Scroll to the bottom of the page — the comments box is waiting there.
Before You Sign Anything: Run any debt relief contract through the free Contract Decoder to spot hidden fees and unfair terms. Check the company’s complaint history with the Scam-O-Meter.
Compare Your Real Options: Most debt relief companies won’t tell you about all your options — especially the ones they can’t profit from. Credit counseling has a 21-27% completion rate. Settlement resolves about 1% of enrolled debts fully. Bankruptcy has a 95% discharge rate — and protects your retirement. Take the Find Your Path quiz for a recommendation based on your actual numbers.
Browse all Credit Counseling & Debt Management reviews, or see the full Company Reviews directory.
