Delray Credit Counseling

The Good

• Free consultation
• Lower monthly fee of $39, no setup fee
• Educational resources
• ISO certified; non-profit

Delray Credit is a non-profit organization which typically means they have the right motives, are not predatory, and give genuinely helpful advice.  That does NOT always means it is worth the money, but at $39 per month, Delray is one of the less expensive credit counseling services.  They also seem to be genuine in their advice, telling consumers that debt management may be a better solution to the Delray services of debt settlement.  The company also provides referrals to other helpful companies that a consumer might need (i.e. credit scores).

In addition to the monthly fee, customers of Del Ray will owe a % of the debt that the company is attempting to erase from their record.  This is typically 5-9% (it varies by state and amount owed), and that is in-line with industry averages.  They offer a free consultation.  Just signup on the website or call the toll-free number.

Located in Delray, Florida, Delray Credit Counseling offers a lot of free financial resources on its site.  This shouldn’t necessarily be factored into whether or not you should use them – as you have access whether or not you’re a customer – but it shows they care and have invested in educating the consumer.

Free Consultation

Before paying for Delray Credit Counseling’s services, you should definitely take advantage of the free credit counseling.  Even if you end up not using them, the information will be helpful, and it will give you a much better idea of their expertise given your situation.

The Bad

• Poor website experience
• Dependency on the phone
• Missing some creditations

While the Delray website does have a lot of information, it can be very difficult to find.  The website is antiquated, and it’s not totally clear if they service all 50 states (we believe they do).  There is a login button for current customers, and a poor website can make tracking outstanding debt and current payments difficult.  While Delray has largely positive customer reviews, the negative ones are typically around the website experience.    Even signing up on the website is just a form that takes you to a screen stating you will receive a call.  No additional information, password, etc.  If you like to do things by phone and paper, perhaps this is not a huge issue.  But those who are very proficient online may not like it.

Delray is certified with the IAPDA, USOBA, and AFCC.   Delray Credit Counseling is not certified with the FCAA (Financial Counseling Association of America) or the NFCC (National Foundation for Credit Counseling).  While this shouldn’t necessarily be a deal-breaker, it would be comforting to know.

The Summary

This business is worth checking out – particularly some of the resources on their site – and the free consultation makes it relatively risk-free.  However, proceed with caution.  Some consumer complaints as well as the antiquated website may indicate a poorly run operation.