Consumer Credit of Des Moines

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6129 SW 63rd St
Des Moines, IA 50321

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(888) 207-3864
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Consumer Credit of Des Moines - Des Moines, IA
Consumer Credit of Des Moines - Des Moines, IA
Consumer Credit of Des Moines - Des Moines, IA
Consumer Credit of Des Moines - Des Moines, IA
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My husband consolidated to make one payment a month vs 4...he could have made the payments, just thought would be easier to just make one. He did not know till two years later w...

Bad Credit for 7 Years 10/12/2011

My husband consolidated to make one payment a month vs 4...he could have made the payments, just thought would be easier to just make one. He did not know till two years later when we purchased a new car that consalidated will hurt his credit for 7 years after he finishes his term! We were able to get the loan but as aftected us being able to re-finance on our home. more
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OK If you are drowing and missing payments 10/12/2009

CCD was a good way for me to get back on my feet after missing lots of credit card payments and having two collection agencies after me. The only thing is that once I was able to manage my payments on my own, I still had to follow through with the agency so that my interest wouldn't go up and also because my accounts were already closed and they credit card company's would not reopen them, so there was no reason not to stick with the program. I wish I would have known that ahead of time because I would have kept at least a couple cards off the program and managed them myself. I have managed to pay off a few of my accounts and only have about $1800 in credit card debt to go before I am free of credit card debt. My credit score (FICO) was 685 when I first started missing payments and before I was on the program, while on the program my credit score dropped to 485 in the beggining due to me missing payments for three months on most cards, and it is now back up to 628 after a little over two years on the program and all my lates have gone off my 24 month window, but are still going to be there for another 5 years. This program doesn't really help you repair your credit, it is just a way to get out of debt and maybe learn some money managing skills. You also need to have stable employment while on this plan because you have to pay every month. While your payments will drop as you pay off your accounts, it takes a long time to pay accounts off - over a year before I paid off my first account. Once you pay off one, it gets easier to pay off another as long as you keep your monthly payment amounts the same. They do cut up all your credit cards in front of you when you join and it's a bit embarassing, but their counselors do this for a living so whatever! Overall, I am glad I went on the program, but it did teach me a hard lesson never to get into credit card debt again. Only reason I was is because I paid my way through college on loans and credit cards because my family could not help me pay. Too bad for me! Pros: Helps get payments back on track and lower interest Cons: Doesn't educate you on everything like closing your accounts more
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Are you overwhelmed with mounting credit card debt? Consumer Credit of Des Moines helps people regain control of their lives!

Owner Message

  • Our Debt Consolidation and Repayment Plan - Benefits of our debt consolidation programs may include:


    * Reduction in Minimum Payments
    * Reduced or Eliminated Interest Rates
    * Elimination Of Late or Over-Limit Fees
    * Re-aging of Accounts (Creditors Considering Your Accounts Current)
    * Elimination of Collection Calls
    * Our Certified Credit Counselors
    * They are Professional Financial Advisors, Not Sales People - Honest, Trustworthy Advice Is What You Need and Deserve, Not a Sales Pitch
    * Our Experience
    * Consumer Credit of Des Moines Has Offered Free Credit Counseling and Education, and Has Managed Debt Consolidation Programs Since 1987
    We have seen many credit counseling services come and go during that time. We will be here to serve you today, and tomorrow!


    Our Customer Service


    As our mission states, we believe that we are personally accountable for providing prompt, accurate, and efficient service to our clients.


    We believe that our work just begins when you complete your credit counseling session- unlike most of the competition that seem to believe that is where it ends.


    Approved and ready to help!


    Trying to make sense of all the noise? We are trained professionals and are an approved credit-counseling agency with the US Trustee Program.. How We Help


    1. Complete Application- Our online application takes only about 15 minutes to complete. We will ask you to provide us information about your income,living expenses,and debts. Our certified credit counselors will use this information to help you to determine solutions to your financial problems.


    2. Budget and Debt Counseling Session- With you,our credit counselors will analyze your current income and living expenses. Your assets and debts will then be examined and possible solutions to your problems presented. Together we will work out a budget to fit your needs and goals. Again,all credit counseling is free and confidential. Our budget and debt counseling sessions usually take about an hour. It is important to remember,when shopping around for a credit counseling agency to work with,that anyone who claims to be able to give you advise in 15 minutes isn't helping you find the best solution to your financial problems.


    3. Debt Relief- The goal of our counseling sessions is to help you find the best solutions to your financial problems. In many cases,our professional advice may be all that you need in order to get a handle on your situation,and take control of your debt or spending habits. For some who may be considering bankruptcy,our impartial advice may help them re-affirm that decision. And finally,our debt consolidation and repayment programs.

Additional information
  • Hours: Mon-Fri 8:30am-5:30pm ; Sat Closed ; Sun Closed
  • Neighborhoods: Southwestern Hills
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