A search of the Internet as a whole brings up a rather large number of additional complaints about Care One Credit’s credit counseling program. As mentioned with other credit counseling companies we have reviewed, many of the complaints are more about the ineffectiveness of credit counseling as a whole, rather than any wrongdoing by the company. For example, there are an increasingly large number of complaints about credit card companies cancelling the agreements through credit counseling because the monthly payments made by the credit counseling company on behalf of the clients were received after the due date.

A large portion of the complaints we found were from client’s who claimed that they had been in Care One’s program for several years, and made all their payments on time, but have seen their credit card balances continue to increase. To be fair, we must also mention that we see this trend in complaints about the other consumer credit counseling companies we have reviewed as well.

A review of Care One Credit’s website shows that they provide a great deal of consumer education information that is very valuable for their clients as well as the general public. However, we recommend to exercise caution before enrolling in any consumer credit counseling program simply because it has a very low success rate and is not appropriate for a large number of those who enroll. If you cannot make your minimum payments, you may be better served with a debt consolidation and settlement program, or perhaps even bankruptcy rather than paying the fees of consumer credit counseling and not actually making any headway.