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Trinity Debt Consolidation Reviews

Home » Trinity Debt Consolidation Reviews

Trinity Debt Consolidation Reviews

Trinity Debt Consolidation Review for 2023

The Trinity Debt Management Program (DMP), also recognized as Trinity Credit Counseling Inc., is acknowledged as a 501(c)(3) non-profit Christian-based credit counseling agency, a verification we’ve confirmed through the Department of Justice’s website. The extensive name and accompanying credentials lend an air of legitimacy.

Trinity Christian Debt Consolidation Reviews

Source: Department of Justice website

However, in practice, Trinity Credit Services, the company, holds a C+ rating with the BBB. This prompts us to question the true legitimacy of Trinity. Furthermore, what advantages, if any, are associated with collaborating with Christian debt consolidation or settlement entities?

Contained within this review is a comprehensive dossier on Trinity Debt Management and its Debt Relief Services.

But don’t limit your exploration here; once you’ve absorbed the Trinity Debt Management review, explore other top-tier companies, including Accredited Debt Relief and CreditAssociates.

The forthcoming Trinity Debt Management review will–

  • Elucidate the potential impact of their services on an individual’s credit
  • Expound on the program’s costs
  • Analyze Trinity Debt Management customer reviews

The researchers at have dedicated years to scrutinizing the debt relief, settlement, and consolidation industry.

This commitment has culminated in the creation of the most precise and impartial company reviews. Our intention is to empower you to make informed choices when selecting services to aid you on your path to debt liberation.

Is Trinity Debt Management Legitimate?

Let’s first focus on the positive: 

Trinity Debt Management stands tall as a licensed nonprofit credit counseling agency, functioning within the confines of rigorous regulations. Gaining the distinction of a “licensed nonprofit credit counseling” entity entails a meticulous process wherein they must substantiate their authenticity to regulatory bodies.

These scrutinizing evaluations encompass a broad spectrum, from scrutinizing their company’s financial records to validating the certification and training of their counselors, ensuring compliance in client agreements, confirming established creditor relationships, and more.

Their steadfast adherence to these exacting regulations speaks volumes about their legitimacy. As a sanctioned nonprofit consumer credit counseling entity, their integrity is substantiated.

Trinity Debt Management BBB Review

While their Better Business Bureau (BBB) rating might not reach remarkable heights, it’s remarkable that they’ve garnered only a single BBB complaint. With a legacy spanning over 27 years, the credibility of Trinity’s program carries considerable weight.

This lengthy tenure, coupled with their minimal BBB grievances, amplifies their credentials. Had their services fallen short or been questionable, their BBB profile would likely be inundated with complaints. The mere presence of a solitary complaint over such a prolonged period firmly solidifies their position on our esteemed roster of top 20 debt relief companies for 2023.

Top 20 Debt Relief, Settlement and Consolidation Companies List

Confirmation the Trinity Debt Management Program Works

Upon engaging with Trinity Debt Management, you’re met with a personalized approach to tailor an affordable plan. Once your enrollment is confirmed, they initiate negotiations aimed at reducing the fees and interest rates owed to your creditors.

These inaugural negotiations with your creditors occur right at the program’s inception, allowing you to swiftly gauge the legitimacy of their efforts. Should any doubts arise, vigilant scrutiny of documentation facilitates ongoing progress monitoring at every juncture.

Review Trinity Debt Management “Time in Business”

Trinity Debt Management has sustained its operations since 1994. Nevertheless, it’s important to acknowledge that the organization lacks accreditations held by other eminent debt relief companies.

Next, let’s touch on the negative: 

Specifically, they haven’t secured accreditations from bodies like the American Fair Credit Council, the Better Business Bureau, or the International Association of Professional Debt Arbitrators—accolades often showcased by other preeminent entities in the field.

Understanding How Trinity Debt Management Operates

To begin, let’s dispel certain misconceptions. Trinity Debt Management does not operate as a debt settlement company. Instead, they extend a DMP (Debt Management Program) or Consumer Credit Counseling program.

In contrast to debt settlement firms that wait for accounts to lapse and be acquired by third-party collection agencies before negotiating debt balances, Trinity directly engages with original creditors to secure interest rate reductions.

Trinity Debt Management Clients Benefit From –

  • A solitary consolidated monthly payment that is lower than their current aggregate payments to creditors
  • Reduced interest rates negotiated by Trinity’s christian debt counselors
  • Getting out of debt faster, compared to adhering to the minimum monthly payments required if managing the process independently.

Additionally, Trinity Debt Management has already established agreements with creditors to decrease clients’ interest rates, enabling them to furnish a complimentary quote for the consolidated monthly payment prior to enrollment.

While Trinity’s debt consolidation services can have an impact on your credit, this effect is less pronounced than the influence of debt settlement services, as Trinity ensures timely monthly payments to creditors.

Top 20 Debt Relief Programs for 2023

Reviews on Trinity Loans

In the realm of online searches, the term “Trinity Loans” emerges frequently. Yet, despite our exhaustive investigations into this company, the existence of Trinity debt consolidation loans remains unverified. If indeed they do extend loans to consumers, it’s plausible that these offerings are rooted in a referral framework. One hypothetical scenario could involve directing consumers to lenders with whom they’ve forged partnerships.

For those among us who are prospective borrowers diligently seeking personal loans, a prudent step would be to turn to Credible. This platform offers the provision of personal loans at no charge. Their user-friendly online interface is seamlessly linked to the highest-rated lenders in the market. This includes renowned names like Zable, Upstart, Discover, Reach Financial, and a plethora of others.

Before embarking on your journey towards securing a personal loan, it’s advisable to explore Credible’s offerings, as they provide a streamlined and dependable pathway to connect with reputable lenders.


Credible Loan Reviews

Trinity Debt Management Debt Relief Program Pros

  • Free consultation.
  • Free Financial Education: Offers free financial education online, Ebooks, debt calculators, and much more
  • Lower interest rates and payments: Negotiates lower interest rates and fees with creditors
  • One monthly payment: All debts get simplified into one consolidated monthly plan.
  • Less negative impact on credit: Participating in a debt management plan won’t affect a person’s credit score as much as debt settlement. 
  • Legal protection not needed: Since creditors get paid every month, there is no need for legal protection or attorney representation. 

Trinity Debt Management Debt Relief Program Cons

  • Not all states qualify: Not available in Kansas, Nevada, Montana, Rhode Island, or New York.
  • Less flexibility in monthly payments: Consumer credit counseling programs offer less flexibility in the monthly payment and term, as a debt settlement service does.
  • Higher cost: It will cost more to get out of debt than with a settlement plan, including the fees and what creditors get paid.
  • Needs more transparency: Their website needs to be more transparent about the program, fees charged, and other details. 
  • Lack of accreditations: Fewer accreditations than other companies.

Trinity Credit Counseling vs. Accredited Debt Relief: A Comparison

When pitting Trinity against Accredited Debt Relief, a distinguished debt settlement company, the shortcomings of the Trinity debt management program become evident.

  • Trinity’s program takes longer to get out of debt: Customers with Accredited Debt Relief can expect to get out of debt in around three years or less, compared to Trinity debt management programs lasting for closer to five years.
  • The Trinity credit counseling program is more expensive: Even though Trinity Debt Management offers a non-profit program, since creditors must get paid in full, clients end up paying all of their balances, plus interest. Conversely, with Accredited Debt Relief clients pay less than their full balances owed.
  • Up-front fees: The trinity program charges fees every month, including an enrollment fee. Accredited Debt Relief charges no fees (that’s right, zero!), until after a debt is negotiated and settled for less than the full balance.
  • Higher monthly payments: With Trinity credit counseling services monthly payments will be higher than what they are on debt settlement programs.

However, like with anything in life there are pros and cons to consider.

How to Determine if Trinity Debt Management is the Right Choice

Your selection between programs depends on your objectives and your present financial standing, possibly leading you towards one program instead of the other. This is the reason why various options exist for consumers to consider.

For instance, if you’ve only fallen one or two months behind due to a brief financial setback, and your circumstances have improved, allowing you to regain your footing and continue with your previous payment schedule, then Trinity Debt Management could be the optimal path for you.

On the contrary, if you’re grappling with ongoing financial difficulties that make it challenging to meet your monthly obligations, Accredited Debt Relief presents an alternative solution. Through their approach, you can extricate yourself from debt by making payments lower than the total amount you owe.

Read the Full Accredited Debt Relief Review

About Trinity Debt Management

Legal Name: Trinity Credit Counseling, Inc.

Industry: Nonprofit credit counseling agency

Address: 11229 Reading Road, Cincinnati, OH 45241


Phone: (800) 793-9049

Licensed? Yes, for consumer credit counseling.

Where is Trinity Debt Management Available? Cincinnati and Ohio. Trinity is not licensed to offer the DMP in the states of KS, MT, NV, NY, or RI 

Certifications and Accreditations: Association of Credit Counseling Professionals (ACCP), International Organization for Standardization (ISO), and Financial Counseling Association of America (FCAA).

Trinity Debt Management Customer Login: Trinity’s credit counseling program offers clients 24/7 access to their accounts online at Here is where clients can view monthly payments and progress, add or delete creditors from their program and access all of the details relevant to their program.

What is Trinity Debt Management?

Trinity Debt Management is a nonprofit Christian debt management organization. They offer a consumer credit counseling program to help people pay off credit card debt faster and save money.

Trinity Debt Management offers free financial education, student loan relief services, and housing counseling on its website.

However, their financial service focuses mainly on credit counseling rather than debt resolution and credit consolidation lending options. 

For other debt resolution programs, visit the top 20 Best Debt Relief Companies page next. For top debt settlement companies, read the Accredited Debt Relief reviews.

How Does Trinity Debt Management Work?

Trinity outlines three simple stages for their debt management programs (DMPs).

Consultation: Consumers can call for a free consultation and explore the options provided.

Negotiation: Trinity will negotiate with creditors to reduce fees incurred and lower interest rates.

Monthly payment: Trinity offers customers a program consisting of one monthly payment for three or five years, which goes toward the debt in your DMP.

What Type of Accounts Qualify for Trinity Debt Management Program?

Trinity Debt Management works with unsecured debt to set up a single regular monthly payment to pay down balances. You may only apply for Trinity debt consolidation if the debt has no collateral promised to the creditor. 

Examples of unsecured debt include credit cards, medical bills, utility bills, and other instances in which credit was given without any collateral requirement.


Only after an approved credit counselor has analyzed the customer’s circumstances and given tailored advice can they be enrolled in a DMP, according to the Federal Trade Commission (FTC). And approved means “a licensed credit counselor.” 

You can check if a company is an approved credit counseling agency on the Department of Justice’s website at:

Is Trinity Debt Management Licensed?

Trinity Debt Management is licensed in most states to provide credit counseling and debt management services. In addition, the Virginia State Corporation Commission and the state of Michigan have granted Trinity a nonprofit organization license.

However, Trinity is not licensed to offer debt management programs in Kansas, Nevada, New York, Montana, or Rhode Island.

Registration and Licensing details for Trinity Credit Counseling 

Is Trinity Debt Management Accredited?

The positive:

Christian debt management agency is accredited with the FCAA. 

The negatives:

Trinity is not accredited with the Better Business Bureau (BBB) or the National Foundation for Credit Counseling (NFCC).


The NFCC regulates the nonprofit credit counseling industry and regularly audits its members to ensure they follow industry best practices. Other businesses in the debt management industry of this size and with this much experience typically have at least one, if not both, of these accreditations (NFCC and FCCA).

Does Trinity Debt Management Hurt Your Credit?

Trinity debt management program positive effect on credit scores:

For consumers that are behind on monthly payments by a month or two:

Enrollment in the Trinity debt management program will, in most cases, improve your credit rating and credit score. The debt management program will help bring your accounts to “current” status and improve your credit rating within three to four months of consistent payments to Trinity.

However, you may notice a drop in your credit scores at first, which should change if you make your payments on time and don’t incur any new debt.

Trinity debt management program negative effect on credit scores: 

  1. Third-party notation reported on credit reports: Consumer credit counseling programs get reported to credit reporting agencies. So, future creditors will see that a credit counseling program manages your accounts. This can be a sign to creditors that you couldn’t responsibly manage your payments on your own, but it’s a better sign than seeing you not be able to pay your debts.
  2. Credit cards get closed: Another downside of how Trinity Credit Counseling affects a person’s credit score is that credit cards get closed out. Closing out credit cards can lower a person’s credit score because it negatively affects their credit utilization ratio. Check out this blog post on how to build good credit to learn more about credit best practices. 

Does the Trinity Debt Consolidation Program Work?

The Trinity debt management program does work. However, not all creditors agree to it. And as of 2023 and beyond, many creditors won’t participate in a DMP. 


Some credit counseling companies will provide you with a single payment, and they will pay all your creditors. But here’s the catch, some of those creditors may not have agreed to reduce the interest rate and work with the credit counseling company, but you think all creditors are participating in the plan. 

So get verification of creditors agreeing to reduce the interest rate and work with Trinity.

How Much Does Trinity Debt Management Cost?

While the website needs to be more transparent, Trinity’s monthly debt management services fees can range from $8 to $50. The maximum monthly fee allowed to be charged by nonprofit credit counseling companies is $50 per month. 

After five years, this can add up to a high amount. Additionally, the creditors pay Trinity Credit Counseling a fair share fee. So they are making money on both sides of the equation. And there are more fees; the Trinity debt management fee to enroll in the service can be as high as $75, which is the legal limit for this enrollment fee.

What Does Trinity Debt Management Charge For Debt Consolidation?

Trinity does not charge any upfront fee, and consultations are free.

Trinity Debt Management Complaints at BBB

Trinity Debt Management has received one complaint in the last three years through BBB. While the company did respond, the complaint still needs to be resolved.

The nature of this complaint could have resulted in the company getting a downgrade in its BBB rating from an A to a C. 

Here’s why; the company responded to the complaint by acknowledging that they offer debt validation, debt dispute, and credit repair services to remove erroneous account items from credit reports. Still, they don’t guarantee to remove any items from a person’s credit report. 

The problem is that if they are a nonprofit consumer credit counseling company, they could violate rules and regulations by offering these credit repair-type services. And BBB is most likely aware of this point. For more information about this Trinity Debt Management complaint, visit the BBB.

Interested customers should analyze the agency’s complaint data with the company’s size and transaction volume in mind. Remember that the quality of complaints and the firm’s replies are often more telling than the total number of complaints.

Is Trinity Debt Management BBB Accredited?

While Trinity Debt Management has been in business for 26 years, it is not BBB accredited. It does not have a BBB business profile, accreditation, or rating. Sometimes companies won’t become BBB accredited because they want to keep all of their proprietary business documents private from BBB, which BBB may require as part of their initial background and due diligence check protocols. 

Trinity Debt Management Customer Reviews

Trinity Debt Management received a “good” rating of 3.8 out of 5 stars on Trustpilot, with 180 reviews.

On Yelp, their customer satisfaction rates are high. For example, Trinity’s Yelp rating is 4.5 out of 5 stars from 13 reviews.

Twelve Trinity Credit Services customers provided 5-star ratings. In addition, some customers expressed how the company had greatly improved their credit scores, and their interest rates were reasonably low. 

In addition, some customers mentioned that the debt management process only took 3 to 6 months, which doesn’t make sense as consumer credit counseling programs last for nearly five years. So they may be offering more than consumer credit counseling.

Others added that the process was efficient and well-organized and that they received excellent customer service from the Christian debt management agency.

How to Cancel Trinity Debt Management

Because a debt management plan (DMP) is not legally binding, you can cancel it anytime. However, you may not receive a refund of your fees, and you must ensure that you have another method of dealing with your debts.


Trinity Debt Management has been in business for a long time. It has many attractive features, such as lower interest rates, nonprofit status, credit counseling services, free consultation with a certified credit counselor, and accreditation with the FCAA.

However, many questions about the company’s offerings still need to be answered. For example, Trinity offers little information about the interest rates it can obtain and is not NFCC accredited. Furthermore, the company’s exact monthly fees do not get disclosed.

There are also very few Trinity debt consolidation reviews on the company’s social media pages or website. As a result, customers may have difficulty determining customer satisfaction levels. In addition, the company does not actively encourage such feedback.

Trinity Debt Management may be an excellent debt relief company. Still, when these negative factors are considered, they fall short on many qualifications. This is particularly true for customers looking to consolidate or settle their debts.

As a result, we cannot recommend Trinity Credit Services for debt consolidation at this time but recommend researching the Top 20 Best Debt Relief Companies List for 2023.

Disclosure: does its best to provide factual and truthful information aimed at helping the public by giving honest debt relief, settlement, and consolidation reviews. However, please email us at if you believe any of the information on this page needs to be revised, and we will make appropriate edits. Always do your research, and do not rely solely on the information provided in this review. We are not responsible for the results of any program you choose to join. Always check multiple sources when researching a company, including Trinity Debt Management reviews, Reddit, BBB,, FTC, and your state’s Attorney General office.

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