My name is Ben, and I have spent the last 5 years helping people understand the differences in options to help them eliminate debt cheaper, easier, and faster. I have uncovered debt consolidation scams. I was also one of the first to write an article covering the unfortunate Litigation Practice Group bankruptcy have spoken with countless people negatively affected by it.
I created “Your Debt Relief Pal” to help protect you from debt companies that may use deceptive marketing and provide you with realistic estimates of your options for debt freedom.
We will cover the answers to this question and more in this article, so let’s get started.
What Is Quick Credit Connect?
Quick Credit Connect may be pitching a small dollar high-interest loan or potentially debt settlement consolidation.
If it’s a payday loan, you may want to consider the pros and cons of payday loans.
Now, debt settlement is not to be mistaken or confused with a debt consolidation loan where proceeds would be sent to your bank account. Now, if you are looking for a debt consolidation loan, there are 3 debt consolidation loan companies that we have vetted. They 1) Only do a soft check to check your credit 2) Do not charge prepayment penalties. With debt consolidation loans, it may be helpful to check your rate from multiple places to get the best rate. If you aren’t able to qualify, then some individuals look at debt settlement.
If you are unfamiliar, Debt settlement is the process in which a third party negotiates and settles with your creditor on your behalf. The goal of a debt settlement firm is to find a lower payment that will fully satisfy the debt that you owe. So, a debt settlement may try to settle a $10,000 credit card balance for $5,000. This can provide ample savings and a potentially lower monthly payment.
I was the previous CEO of a debt settlement company, and I believe debt settlement can be a good option for some, but not for others.
Now, if you are struggling with debt and wondering what to do next, we built a free, unbiased debt options comparison calculator (not even an email address is required) that provides a wide range of debt options that may be able to fit your budget. The data is personalized to your income and expenses, so you can get accurate costs, pros and cons, and options.
Let’s cover Quick Credit Connect’s history next.
Quick Credit Connect History
According to Quick Credit Connect’s BBB page, the debt relief company has been in business for almost 30 years. At the time this article was written, Quick Credit Connect has a surprisingly low number of reviews for a company that has been in business for almost 30 years. From only 21 reviews, Quick Credit has a 1 out of 5-star rating. However, there are 75 complaints from the past 3 years alone.
When looking at their website, Quick Credit Connect seems to be a personal loan provider, offering loans up to $3,000. In their Important Disclosures, Quick Credit reveals that they offer loans through CC Connect, a division of Capital Community Bank. They also state that their APR tends to fall between 185-225%.
Check Your Loan Rate and Compare Options!
You may be looking for a debt consolidation loan, but do you qualify? Is your credit score good enough? Is your debt-to-income ratio or credit utilization good enough? I helped build this free consolidation loan and other options calculator to help you compare your rates across multiple debt consolidation lenders and your options to other options if you cannot qualify for a loan. It’s specific to your financial information, so if you have $10,000 in debt, it will estimate your situation.
You can then check your rate, which will NOT affect your credit score.
If you do check your rate, understand the interest rate and the origination fee to see how much you will save by consolidating your debt. The above options do not charge prepayment penalties and have fixed rates, but if you use a different lender, these are important characteristics to look for.
Did you receive a debt consolidation “program” quote?
Have you spoken to a representative who mentioned a loan, a program, and a hybrid option? If so, your quote may looks something like this:
$X Amount Per Bi-weekly or Month
Y # of Months
You may get pitched on a legal plan to protect against lawsuit
You may have no idea what percentage fee you are actually being charged.
When you get a debt consolidation program quote, you may just hear that your quote includes the monthly fee, but it’s crucial to understand what FEE you’re being charged.
As such, you may want to take this free debt consolidation program fee estimator to see what you may be being charged.
It takes 30 seconds and does not require ANY personal information.
Debt settlement can be much less expensive than your current obligations, but it is a debt relief option, meaning that there are debt settlement pros and cons associated with it. For example, while debt consolidation loans can help increase your credit score, debt settlement can hurt your credit score.
Quick Credit Connect Reviews
Let’s next cover the BBB reviews, Google reviews, and TrustPilot reviews.
BBB reviews
Quick Credit Connect’s BBB page appears to be connected to a parent company, Heights Finance. Because of this, BBB has integrated reviews from both the parent company and Quick Credit itself. When reading through the reviews, most users claimed that Quick Credit was unclear and dishonest with what services they were offering. Others claim that they were harassed by the company with incessant phone calls and emails. While they have an A+ rating, they are not BBB Accredited.
Other Reviews
Unfortunately, it doesn’t appear that there are any other trusted platforms (Google, TrustPilot, Yelp, etc.) that have any reviews for Quick Credit Connect.
Because they seem to be a subsidiary company, one way to look through some relevant reviews could be to read through reviews focused on their parent company. While this won’t necessarily speak to Quick Credit Connect’s services and abilities, it can shed some light on the values and emphases that the company was likely founded on.
However, again, this won’t be a great indicator of whether or not the company itself is effective and honest. When this is the case for a company, sometimes the best thing you can do is reach out on public forums (if you are comfortable) and ask if anyone has had an experience with the company. This could be through something like Facebook or even Reddit. There is likely someone who is willing to share their experience if you ask.
Closing thoughts
The reviews on BBB that are connected with its parent company are not the most reassuring. However, it does appear that a majority of the negative comments were simply about not getting the loan they thought they were pre-approved for. If you are looking for a few different debt relief options and aren’t solely interested in a personal loan, then Quick Credit Connect may be perfect for you!
What If I Can’t Get a Debt Consolidation Loan Elsewhere?
If you can’t get a consolidation loan from Quick Credit Connect, what are your options? Are you putting more on your cards each month than reducing them? Do you have a high debt-to-income ratio?
The challenge is that you may qualify for a debt consolidation loan, but their interest rate could be 29.99% or the loan won’t consolidate all of your debt.
As stated above, if you have debt that is unaffordable, we built the free debt options and costs calculator below that allows you to compare options such as non-profit credit counseling, debt settlement, and debt payoff planning. If you are already in financial hardship, the calculator also allows you to understand bankruptcy. No email address is required unless you’d like some additional free assistance.
My family was grappling with the burden of credit card debt. We had explored various avenues, including debt relief companies and consolidation loans, but everything seemed dubious and left us feeling uncertain. That all changed when I came across Ascend and had the opportunity to connect with Justin. He reached out to me on the very same day, and from that point forward, things took a turn for the better.
I provided Justin with an overview of our financial situation, our objectives, and the timeline we hoped to achieve our goals within. He promptly outlined the possible courses of action and presented a thorough breakdown of our various options. What truly stood out was Justin’s approach—he never pressured me into making a quick decision. Instead, he offered me the information and allowed me to ask questions at my own pace.
Upon selecting the path we wanted to pursue, Justin facilitated our connection with a non-profit organization. Much to our delight, they exhibited the same level of courtesy, expertise, and patience that Justin had demonstrated. In retrospect, the entire experience instilled a sense of confidence within us. We now believe we have a solid foundation and are well on our way to achieving financial success!
Dahveed Krisna
07/26/2022
Ben and his assistant Jeffrey from Ascend Finance did an awesome job helping me to find an attorney who could talk with me openly and honestly about Chapter 13 as an option for my financial situation. Before finding out about Ascend’s bankruptcy calculators, I was stuck on a wheel of countless offers for consolidation loans, but always steered towards debt settlement or debt management plans over and over again due to my credit score and high utilization percentage. Based on data I entered into Ascend’s calculator, Ben and Jeffrey reviewed my situation and quickly connected me with a skillful, experienced bankruptcy attorney. I finally feel like I’m on the best path to being debt free; one that will save me a lot more money than any of the debt settlement or debt management programs that other companies and agencies have offered me… THANKS Ben, Jeffrey and Ascend!!
JorJor Binks
02/09/2024
These guys are truly a beacon for those of us with too much debt. From the start where I found Ben on the YouTube channel Ascend I have been treated as a real person by real people. Even getting a personal call helping me figure things out. I went through one of the lawyers recommended by Ascend and as of January 2nd I am debt discharged, and already have a great credit card from Mission Lane for $2000. Things are getting back into place and my life feels so much less stressful due to the weight of debt being off my shoulders.
PLEASE give these guys a call if you are even considering any sort of debt relief be it bankruptcy, consolidation, or whatever other types of debt relief are out there. I can’t thank the Ascend team enough. (I was not paid to post this, or told to do this. I am genuinely so thankful to have the help when I needed it most♥️)
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