Reviews

Review Details

• Review fromAshley M

  Date: 04/12/2025

  2 stars

  Ashley M

  Date: 04/12/2025

  I completed the program, and while I appreciate the manageable payments and interest rates offered to me, I would advise anyone thinking of entering this program to VERIFY HOW ALL PAYMENTS WILL BE REPORTED TO YOUR CREDIT REPORT!!! I had no issues except with one creditor - *********. After many, many months of making payments through this program, my credit report was upgraded. Every single payment made to Cambridge was not reported towards *********, so my account became more and more delinquent. I made multiple calls between Cambridge Credit and *********, to find out that my account would remain delinquent throughout the entirety of the program and after completion. Obviously if I had known this was the case, I would have never agreed. I was never informed of this during the initial process. It's had a huge impact on my credit score. In addition, when I asked how to pay down the ********* balance in hopes to close the account asap, Cambridge informed me I could pay the creditor directly if i did not want to send money order or check. I made a large payment only for it not to be reflected in the total owed by Cambridge. I then found ********* did not allow payments directly to them to apply to the payment program. So that money was applied to their late fees, etc. So I basically ended up paying that amount twice. I was never offered any solution to either issue.
  

  Cambridge Credit Counseling Corporation

  Date: 04/18/2025

  First, we want to congratulate you on the completion of your debt management plan. In a tight economy and during the aftermath of the pandemic, you persevered and regained control of your finances. That's a great accomplishment. Now. let's address your specific concerns with *** ******. I reviewed your account from the time you first reached out to us through to today. The notes that each representative keeps electronically show that you reached out to us on several occasions, often to express your concerns about the *** ****** account you included in your plan. On each occasion we followed up by contacting *** ******. Initially, *** ****** required a small increase in the amount of the proposed monthly payment, but once this was updated your payment proposal was accepted. When you expressed your concern about your *** ****** account appearing as past-due on your credit report, we contacted *** ****** and were advised that you had been making two payments per month prior to your enrollment in our program, but now that they were receiving just one payment that could change how they reported your account. We contacted you and advised you of this, and we suggested ways to make additional payments. All of the payments we sent on your behalf were received by *** ******. As your contract with Cambridge makes clear, each creditor is free to establish its own policies regarding the interest rate reductions and/or fee waivers they may grant to consumers who agree to participate in credit counseling. In its case, *** ****** does not "re-age" accounts (bring the client's accounts current) while the client is still making payments through a plan, which is why we explained that any additional payments made by you will be applied toward past-due amounts. In August 2024, Cambridge was contacted by *** ****** because it appeared that you were making separate payments to them, as well. We explained that you may have been because your account at *** ********************** showed a credit of $609.08, which they said had been refunded to you. You didnt make double payments. The funds were refunded to you by *** ******. Please bear in mind that creditors do not notify counseling agencies when their mutual clients are making additional payments outside of an existing debt management plan, which is why we kept sending payments on your behalf. In fact, we weren't notified of this situation by you or *** ****** until August 2024.Before you enrolled with Cambridge, your credit counselor explained the benefits that your particular creditors might be expected to extend to you. I am sorry if the details regarding *** ****** werent explained in greater detail, but based on all the documentation in your account, the unique aspects of *** ******** policies were addressed during your exchanges with our Customer Care Department And while the focus of a debt management plan is on reacquiring the discipline of making regular monthly payments, I am also happy to see that over the course of your enrollment in our plan, your ********** **** score increased by 156 points, a nice reward for your commitment to responsible repayment.

• Review fromKerri J

  Date: 01/24/2025

  5 stars

  Kerri J

  Date: 01/24/2025

  I was dealing with another company. They couldn't respond to emails or calls for questions I had, not to mention that guy feeling something just wasn't right. So I looked into other *** companies. I'm so glad I got in touch with Cambridge. Tina Marie is so amazing!!! Treated with respect and I didn't feel like I was just a paycheck to her. Paperwork was emailed quickly, any questions I had have been answered. Tina Marie calls you back quickly with answers. Pleasant experience for sure. Thank you for making this easy as well as helping me to not feel like I ruined my financial future. I appreciate it so much.
  

  Cambridge Credit Counseling Corporation

  Date: 01/27/2025

  We are so happy you are having a great experience with your counselor and the program. We are happy you chose Cambridge to help you.

• Review fromDana C

  Date: 01/24/2024

  5 stars
  Wish I would have called Cambridge sooner - could have saved myself alot of sleepless nights. Tinamarie was terrific - called me back promptly, delivered everything by email just as she said she would, answered all my (tough) questions. Can't recall anyone being more professional and friendly. Cambridge not only got me great terms with my credit card debt, but have a Good Payer website with advice I'm sharing with our kids about budgeting and money.Really couldn't ask for a better experience, thanks Gordon & Tinamarie for all the help during this tough time!

• Review fromDUSTIN M

  Date: 11/29/2023

  5 stars

  DUSTIN M

  Date: 11/29/2023

  11/29/2023 I was a client of Cambridge Credit Counseling back in 2020 - 2021 there there company CSR, CCC and GM are are very professional, polite, and knowledgeable and they explain their products and services, but the affordable option is a  Debt Management Program, I highly recommend this agency and this option opportunity they helped me pay off the majority of my debt during COVID 19 when I was laid off of work due to lack of business and an mandatory reduction inforce on May 25 2020 I was ill with COVID 19 too I appreciate your agency Cambridge Credit Counseling Fromer Client, ******
  

  Cambridge Credit Counseling Corporation

  Date: 11/30/2023

  Thank you ******! We are so glad that we could help you through a difficult time.

• Review fromDwan E

  Date: 08/30/2023

  1 star

  Dwan E

  Date: 08/30/2023

  On August 30th, my experience has been less than 5 stars. My encounter initially started with being shuffled from one counselor to another counselor (Damar, Henry). Experienced delay in timely email communication. On August 30th, I was absolutely appalled by the treatment of the phone three phone agents (Shanice, Erika -Billing Department, and Stephanie - Intake). Shanice and Erika approach initially perceived as they did not really wish to assist me to the best of their knowledge and ability rather brisk or abrupt dialogue such as rushing through "Hi, this is Cambridge Credit Counseling. My name is ..."I perceived and felt their actions were not genuine but less sincere. Then, Erika assured me that she would transfer me a counselor/manager but transferred me to the Intake. I requested to speak with the top leadership executive, however I was refused by Erika and Stephanie. I preferred not to be transferred to Henry W. for I would get his voicemail and I did not have any desire to leave a voice message in Henry's inbox. The operation of business at Cambridge definitely does not meet my expectations after all.
  

  Cambridge Credit Counseling Corporation

  Date: 08/31/2023

  *** *******, We apologize for any confusion or frustration that you may be having with the start of your program. I did a thorough review of your account and listened to the recorded calls. Initially you spoke with Damar and then you were referred over to our Counseling manager Henry. Henry took over because Damar was going to be out of the office for a while and they didn’t want you to wait to get the account started. Henry set up your account and your first payment was going to start on 8/28 with an ACH payment. You called in on 8/17 and spoke with Shanise and had a very pleasant call and she advised you that Henry was on vacation and would forward you to another Counseling manager, Tim. Tim did reach out to you as well. Yesterday on 8/30, you called into Customer Care and spoke with Shanise and did not identify yourself and complained about the forms of payment that we accept. You stated several times that you control your bank account and you did not want us taking money out of it and that you did not like our company policies on the forms of payment that we accepted. She transferred you to our banking department so they could explain our forms of payment in more detail. In the banking department you spoke with Erica who also explained our acceptable forms of payment and you advised her that you wanted to send in money orders instead of doing ACH. She explained you can do this but you would need to speak with your counselor to set it up. You also claimed that we didn’t attempt your payment on 8/28, that it was on 8/29 and that is why the payment didn’t go through. Our records do not reflect this. She transferred you over to our intake department so they could get you to your counselor and you spoke with Stephanie. She advised you why you got transferred to that department and you said you wanted a manager. She explained that your counselor Henry is a manager and she could transfer you to him and you advised her that she was refusing to tell you who the manager was and ultimately ended the call by hanging up. It seems that the root of the issue was that there were some vacations and you had to speak with a couple different people and that your payment was returned as insufficient. You have already spoken with Henry who changed your account to mailing in money orders and we are now just awaiting you to mail in your first payment to start our program. We apologize that things aren’t going as smoothly as you and we would have liked. After reviewing all the calls, we believe our representatives tried to assist you the best that they could with the information that they had available. We do hope that we can move forward from this situation and we look forward in assisting you with paying off your debt.

• Review fromDonna B

  Date: 04/08/2023

  5 stars

  Donna B

  Date: 04/08/2023

  My husband and I just finished our program. I am extremely happy to be debt free with the help of Cambridge. From day one they have been there to help. All of the representatives are extremely helpful, professional and friendly. Everytime I had a question or concern they were there to help. Love that they were local. Would highly recommend them. Don't hesitate if you are swimming in debt. Get help!
  

  Cambridge Credit Counseling Corporation

  Date: 04/10/2023

  Thank you *****! We are so happy we were able to help and congratulations on finishing the program!!