As of this past December 2012, my 3 year journey with Consolidated Credit came to an end and I am now completely credit card debt free. From the beginning, the service was excellent and the stressful process of dealing with credit card bills was made so much easier by them. They were prompt with checking in on me every quarter and especially when the debt from one creditor would become satisfied. Now my credit has been repaired and my credit score is above 700 with all 3 reporting bureaus. I would highly recommend to anyone who is seeking a credit consolidation service.