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Credit.com

First impressions upon accessing Credit.com are of a professional, reputable website. The home page appears bright, yet quite busy. It contains a plethora of information and is compartmentalized with various categories and drop down menus. The advantage of this is that instead of having to browse multiple pages to reach the required information, every section can be directly accessed from the main page, thus allowing ease of browsing.

With an enviable domain like credit.com, expectations are high. Being one of the fore-runners in this business, Credit.com started its operations in 1995. Founded and headed by Adam Levin, former director of the New Jersey Division of Consumer Affairs, Credit.com aims to impart practical financial help and advice. Credit.com is a hub of financial information. This gives them a lead over their competitors, because their wide range of information covers all areas of finance. Their philosophy is not just to provide debt consolidation. They diversify and go a step further to enhance the idea of debt relief by designing budget plans and offering credit counseling.Credit.com has a long term focus and seems inclined to look for solutions that may get you out of debt, and keep you debt-free. For credit.com, it is about educating the client of all his options, then advising them about their best interests and eventually and most importantly facilitating them to reach the desired goal.

Their financial experts provide helpful strategies and negotiate rewarding deals for the client. Credit.com has a debt resolution plan that spans 48 months. They charge 30% of the amount the client saves, added to which they have a monthly fee of $55.00 for managing a client's account.

Apart from an email and a toll free help line number, which is not available 24/7, they have other forums to assist the client. Their Live help chat with financial experts, along with their newsletter, Q&A's and finance glossary, add to their easy accessibility. Their experts have a very credible blog creditbloggers.com for the clients' benefit. A financial calculator and an estimate of a client's credit score are also provided.

Amongst their wide range of services, they offer credit cards and credit card loans, free credit reports, personal loans, mortgage loans, student loans and debt loan management are their key highlighted features. Since credit.com has a futuristic approach to their client's debts, their most outstanding feature is their "Life Stages" plan. This is geared to providing an individual with financial assistance throughout life, at every stage.

Credit.com has a very extensive debt management program. It assists with a debt consolidation loan, tax consultation and modification of the mortgage loan. For further assistance of its clients it even offers a personal loan valued between $5000 and $15,000, in order to be able to amalgamate various loans into one and offer lower monthly payments.

Credit.com has a handy Debt Help Comparison chart to help you choose which debt product is right for your financial needs. In the chart, they list the specific services you can expect to receive with each product, what its cost is and which kinds of clients are using it. The notes section of the chart lists any special features, discounts and taxes associated with the product.

Another useful feature is the Debt Tools section which contains calculators and guides on credit scores, re-financing options and more.

Credit.com is also a proponent of managing your debt by yourself and therefore helps you with DIY debt consolidation options. In the tips section you can read about how debt impacts your credit and how to choose the best debt consolidation option for yourself. Every debt consolidation company not only wants to be seen, but also heard and credit.com achieves that with utmost ease. They take pride in being featured on:

CNBC
Yahoo
TIME
NEWSWEEK
CNN Money
USA Today
Forbes
The New York Times
Business Week

In addition to these, credit.com is listed with Dun Bradstreet Limited and is audited daily for network security by Qualys.

Overall, Credit.com gives off reputable vibes. As someone seeking financial advice, you would do well to study Credit.com's plans in more detail and perhaps talk to one of their representatives to determine if Credit.com has a solution for your particular debt problem.

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