Guide To Consolidation.Org Reviews: 3 Things To Know

I recently came across a few ads on social media that are framed as a former employee of a major credit card company "exposing" a way for people to lower their monthly credit card payment by up to 40%, as long as you have over $20,000 in credit card debt.

The website itself that this ad links to is called GuideToConsolidation.org, you can find it here. 

To start, you'll be asked a series of questions regarding the type of debt you have, how much debt you have, and your financial goals.

If less than $5,000 in credit card debt is selected, you'll be redirected to this page that is hosted by my411.com that leads to a few different websites.

In some cases, depending on what you select and if you have between $5,000-$15,000 in credit card debt, you'll be matched with Consolidated Credit for a debt management plan. 

In other cases, Guide To Consolidation will suggest that you're a good candidate for a debt consolidation loan and that they'll quickly match you with someone in their network of lenders, based on your specific profile.

After clicking 'Continue', you'll be redirected to a webpage hosted by moneylion.com to answer additional questions. But if you click on 'Verge leads', you will be redirected to ClearOneAdvantage.com. 

If you have over $16,000 in credit card debt, you'll be told you qualify for savings and will be asked to provide your name, phone number, address, and email.

The screen will load as they prepare your estimate.

Eventually, your results will generate and you will be pointed in the direction of ClearOne Advantage. 

ClearOne Advantage is one of the leading debt relief companies in the United States, specializing in debt settlement. This process involves negotiating with creditors to reduce the total amount owed after accounts become past due.

No reviews to be found for GuideToConsolidation.org when searching on Google.

ClearOne Advantage, on the other hand, does have a decent amount of good testimonials and currently holds a 4.6 rating on Trustpilot. They can also be viewed directly on Trustpilot. 

Check out additional reviews on ClearOne Advantage from the following sites:
-Better Business Bureau
-Yelp
-ConsumerAffairs

However, a user on Reddit seems to be skeptical. Another experience can be found here.

If you're looking for a debt consolidation loan, feel free to take the free debt consolidation loan calculator below. 

This calculator will show 3 different debt consolidation loans and also provide a cost estimate for other debt consolidation options, such as non-profit credit counseling, where an agency will reduce your interest rates.

One option the calculator above provides is non-profit credit counseling, which individuals sometimes pursue if that can't qualify for a loan. 

Here's a video explaining that option: 

GuideToConsolidation.org is a website that funnels you to Consolidated Credit in some cases, or to ClearOne Advantage if you have over $16,000 in credit card debt. 

If you're interested in working with either Consolidated Credit or ClearOne Advantage, take some time to read their reviews to make the best decision for you and your financial situation.