Consolidated Credit Contests (2024)

Consolidated Credit regularly holds contests, raffles, and sweepstakes to make getting out of debt and budgeting a little more exciting. We love giving people a little extra incentive to be financially savvy and successful. See general contest rules here.

Consolidated Credit Contests (1)

Women’s Day Giveaway

March 8th is International Women’s Day! In honor of our 30th anniversary and to celebrate, we’re giving you and one of the women in your circle a chance to each win a $30 Amazon eGift Card.

Rules for entry:

  1. Follow us on any of our social media platforms: Instagram, Facebook, or X
  2. Tag as many women as you like and make sure they follow us as well
  3. Like and share the contest posts

The drawing for the winner will take place on Monday, March 24th, 2024. To win, both accounts must be following us at the time of drawing.

Consolidated Credit Contests (2)

Each week, Consolidated Credit offers a personal finance tip on smart ways to budget, save, build credit, and manage debt. Win a $50 gift card just for sharing these tips on your Facebook, Twitter, or Pinterest accounts.

To enter, go to ourFacebook,Twitter, orPinterestand find Consolidated Credit’s Personal Finance Tip of the Week. Share it, tweet it, repost it, or pin it and you’ll be entered automatically to win.

New winners are selected each month and announced on the 15th of the following month. Make sure to check back to see if you won!

This contest is open to everyone; being a Consolidated Credit client is not required to win.

Past Contests

Consolidated Credit Contests (3)

Valentine’s Giveaway

‘Tis the season of love! In honor of our 30th anniversary,we’re giving you and one of your loved ones a chance to each win a $30 Amazon eGift Card.
To enter, simply…

  1. Follow our social media platforms
  2. Commenttag as many loved ones as you like to follow us as well
  3. Like and share the contest posts

To win, you both must be following us at the time of drawing.
Drawing Monday, February 12th, 2024, just in time for Valentine’s Day!

Consolidated Credit Contests (4)

Share Your Story

We’d love to hear how Consolidated Credit helped you tackle your debt. Your story can offer hope to people who feel alone and isolated with their debt and give them the courage and motivation they need to start their own journey to become debt-free. Three lucky people will win $500, $250, or $100 for their story submission.

Contest rules are simple:

  • Stories must be between 500 and 1,000 words
  • Email it to us at[emailprotected]
  • Stories must be received by January 31, 2024, at 11:59 p.m. (EST)
Consolidated Credit Contests (5)

30th Anniversary Photo Contest

Consolidated Credit turns 30! And that means 30 years of helping Americans like you get out of debt and achieve financial freedom. Because we could not have achieved this feat without you, this is a celebration of you and your achievements.

To commemorate this milestone, we’re hosting a Client Photo Contest for your chance to win one of six $150 Amazon gift cards.

Participating in the contest is as easy as 1-2-3…

  1. Create a sign with the amount of debt Consolidated Credit has helped or is helping you pay off.
  2. Have someone else take a clear, unobstructed photo of you holding the sign you created.
  3. Email the photo to us at [emailprotected] for your chance to win.
  4. To qualify for the drawing, your photo must clearly display you and the sign with the amount of debt you’re thrilled to be eliminating or have eliminated. Entries without signs or hidden faces will be disqualified.

Photos may be used in advertising and will be posted on our social networks, including Facebook,Instagram, andTwitter.

Participants may enter the photo contest more than once per month but must submit a unique photo each time to be considered an eligible entry. Duplicate photos will only count towards that initial submission, even if that photo was not selected as a winner.

Photos must be received by 11:59 PM on the last day of every month.

Consolidated Credit Contests (7)

Gratitude Giveaway

November is Gratitude Month. To show our gratitude and to help you show yours, in honor of our 30th Anniversary, we’re giving you and one of the people you’re grateful for a chance to each win a $30 Amazon eGift Card.
To enter, simply…

  1. Follow our social media platforms
  2. Comment and tag people you are grateful for to follow us as well
  3. Like and share the contest posts

To win, you both must be following us at the time of drawing.

Good luck everyone. Consolidated Credit is always thankful for you!

Consolidated Credit Contests (8)

30 Days, 30 Ways to Save for the Holidays

Consolidated Credit is proud to have helped Americans get out of debt for the past 30 years — and we want to celebrate this milestone with you! In honor of our 30th anniversary, we’re sharing 30 of our best holiday savings tips. Follow, like, comment, and share for the chance to win one of ten $30 Amazon eGiftcards.

How to enter:

Each engagement earns one entry into the ten raffle drawings. The contest starts October 1st and ends 30th at 11:59 P.M. Entry is not limited to current or former clients of Consolidated Credit. Anyone can enter!

Consolidated Credit Contests (9)

Thankful Photo Contest

Need a little extra cash for the winter holidays? Enter Consolidated Credit’s Thankful Photo Contest and you’ll be automatically entered to win a gift card. Here’s how to enter:

  1. Make a sign showing how much debt you’re thankful to be paying off. It can be numbers or spelled out, but the amount should be clear and easy to read.
  2. Take a picture holding the sign. Selfies are eligible for the contest. Filters and effects on the photos are allowed as well.
  3. Email the photo tothanks@consolidatedcredit.org

The winner will be announced on our social networks and contacted via email. Once we receive your contact info, we will send you the gift card.

This contest is only open to Consolidated Credit clients and alumni, currently or previously enrolled in a debt management program.

Consolidated Credit Contests (10)

100 Days, 100 Ways to Save Money

September 16 marks the official start of the holiday shopping season, with exactly 100 days to shop before Christmas Eve. As the busiest shopping season of the year, the holidays often wreak havoc on family budgets. Consolidated Credit is here to help you stay on track and avoid overspending.

Every day onTwitter,Facebook,Instagram, andPinterest, we will post a new daily tip for how to save money and avoid debt during the holiday shopping season. These posts will include the hashtag#100Days100Ways. To get entered, simply follow us on our social media platforms and then retweet, repost, like, and share those daily tips with the hashtag included. You don’t even need to be a current or former client of Consolidated Credit to win. Anyone can enter!

Each retweet and share earns you one entry into the monthly raffle drawings for a $100 gift card.

  • First drawing: Friday, October 14th, 2022
  • Second drawing: Friday, November 18th, 2022
  • Third drawing: Tuesday, December 30th, 2022

For contest rules and regulations, please read the “General Contest Rules” provided below.

Consolidated Credit Contests (11)

Share Your Experience Video Contest

Attention Clients and Alumni: Submit a video review of your experience with Consolidated Credit for a chance to win $250! Simply record a quick video using your mobile phone sharing how Consolidated Credit is helping you pay off your debt and submit it using the form below. People who enter will have the chance to win $250 as a thank you!

Consolidated Credit Contests (12)

Learn & Earn

Win $250 simply by hitting the SUBSCRIBE button onConsolidated Credit’s YouTube Channel. Then,fill out this form. Each quarter, we’ll choose one subscriber to the channel and they win a $250 gift card. It’s that easy! The winner is selected on the last day of each quarter:

  • March 31st
  • June 30th
  • September 30th
  • December 31st

We will announce the winner on our social media channels and send an email to the email address you provided. Good luck, everyone. Happy subscribing!

Consolidated Credit Contests (13)

Online Shopping Survey

Share your thoughts about online shopping in a quick survey for a chance to win $150. To win, simplyclick on this link to go to the survey, answer all the questions and provide the required contact information. Your name will then be entered into the drawing.

The winner will be selected on March 21, 2022. You don’t need to be a client of Consolidated Credit to participate in this contest. Surveys must be received by midnight on March 20, 2022, to qualify. The winner will be emailed their gift card redemption instructions.

Want to take the survey anonymously? It’s not required to put personal information to take the survey, however, all contact information requested at the end of the survey must be provided to be entered in the $150 gift card drawing.

General Contest Rules

  1. We will notify prize winners via email.
  2. The names of all prize winners may also be announced on our website and posted on our social networks.
  3. Prizes are not transferable or exchangeable; they cannot be redeemed for cash. The Promoter accepts no responsibility for any variation in prize value following the commencement date of the competition.
  4. The Promoter and its associated agencies and companies will not be liable for any loss (including, without limitation, indirect, special or consequential loss or loss of profits), expense, damage, personal injury or death which is suffered or sustained (whether or not arising from any person’s negligence) in connection with this competition or accepting or using any prize, except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law).
  5. In addition, the promoter reserves the right in its sole discretion to take any action that may be available and to cancel, terminate, modify or suspend the competition. The Promoter also reserves the right to disqualify any individual who tampers with the entry process including if an automated entry or voting mechanism is used.
  6. The promoter reserves the right to contact entrants via email about the promotion and a future promotion.
  7. Each winner is responsible for any tax implication arising from winning a prize.
  8. In the event of any prize not being accepted or claimed within 3 weeks of the winner’s name being announced, the relevant winner’s entry will be deemed invalid. The Promoter reserves the right to award the unclaimed prize to the next best Eligible Entrant determined by the Promoter in its sole discretion.
  9. Except for any liability that cannot be excluded by law, the Promoter, their related entities and their officers, employees and agents, exclude all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion, including, but not limited to, where arising out of the following: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter’s control); (b) any theft, unauthorized access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoters) due to any reason beyond the reasonable control of the Promoters; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; (f) redemption of the prizes; and/or (g) participation in the Promotion.
  10. If the Promoter, in its absolute discretion, considers an entry is in violation of any laws, the Promoter may report the entrant to the appropriate law enforcement authority and the entrant will have no claim against the Promoter, including for any loss or damage it may suffer as a result.
  11. All entries will be the property of the Promoter and may be used by the Promoter in advertising the Promoter’s products and services. All Eligible Entrants assign all copyright in their entries to the Promoter and expressly waive all of their moral rights under the Copyright Act 1968 in favor of the Promoter and all Eligible Entrants agree to do all things reasonably necessary to give effect to this term. The personal information entrants provide will be used by the Promoter for the purpose of conducting this competition. The Promoter may disclose entrant’s personal information to its contractors and agents to assist in conducting this competition or communicating with entrants.
  12. Where the prize is awarded in the form of a gift card, voucher or letter (“Voucher”), the Promoter will not be liable for any Voucher that has been lost, stolen, forged, damaged or tampered with in any way. Redemption of the Voucher is subject to the terms and conditions specified on the Voucher.
  13. Failure by the Promoter to enforce any of its rights at any time does not constitute a waiver of those rights.
Consolidated Credit Contests (2024)

FAQs

Does consolidated credit hurt your credit score? ›

Bottom line. If you do it right, debt consolidation will only cause a minor hit to your credit, after which your scores should quickly rebound. After that, paying down the debt will likely have a beneficial effect on your credit health.

How long does credit consolidation stay on your credit report? ›

Debt consolidation itself doesn't show up on your credit reports, but any new loans or credit card accounts you open to consolidate your debt will. Most accounts will show up for 10 years after you close them, and any missed payments will show up for seven years from the date you missed the payment.

Is consolidated credit a real company? ›

Consolidated Credit is one of the nation's largest and oldest nonprofit credit counseling organizations. Our mission is to help people end financial crises through education and professional counseling.

How to consolidate my credit cards debt? ›

Here are six options for consolidating credit card debt:
  1. Balance transfers. A balance transfer can be used to consolidate multiple balances into one credit card account. ...
  2. Personal loans. ...
  3. Retirement plan loans. ...
  4. Debt management plans. ...
  5. Home equity loans (HELs) ...
  6. Home equity lines of credit (HELOCs)

Can I still use my credit card after debt consolidation? ›

If you consolidate your credit cards, you can still use them. Consolidating just means you're paying them off, so your balances will be at zero, but the cards themselves will remain open unless you take the step of closing them.

Who is the best debt consolidation company? ›

Summary: Best Debt Consolidation Companies of 2024
CompanyForbes Advisor RatingLearn More CTA text
SoFi®5.0Compare Rates
Upgrade4.9Compare Rates
Happy Money4.4Compare Rates
LendingClub4.4Compare Rates
Aug 1, 2024

Is it better to settle debt or pay in full? ›

Settling an account rather than paying it in full and on time signals that you're a risky borrower, which will be reflected in your credit score. Additionally, working with a debt settlement company often means halting payments to your creditor in order to gain negotiation leverage.

Is it true that after 7 years your credit is clear? ›

Key takeaways

In general, most debt will fall off of your credit report after seven years, but some types of debt can stay for up to 10 years or even indefinitely. Certain types of debt or derogatory marks, such as tax liens and paid medical debt collections, will not typically show up on your credit report.

Is debt settlement worth it? ›

If you're behind on your credit card payments and looking for a solution, you might be considering debt settlement, which promises to help clear your debts. However, debt settlement is risky and should be a last resort for most borrowers.

Will consolidated loans be forgiven? ›

If you consolidate loans other than Direct Loans, consolidation may give you access to forgiveness options, such as income-driven repayment or Public Service Loan Forgiveness (PSLF). If you consolidate, you'll be able to switch any variable-rate loans you have to a fixed interest rate.

Is debt consolidation a good way to get out of debt? ›

Debt consolidation is often the best way to organize your current debt and simplify repayment. Consolidation, if used correctly, offers benefits that could save you money.

Does debt consolidation blacklist you? ›

Missed payments or arrears can lead to blacklistings, which often have a significant impact on your financial record, but Quick Consolidation Loans will look at your individual situation and try to find a possible solution.

Does credit consolidation hurt your credit? ›

Debt consolidation can negatively impact your credit score. Any debt consolidation method you use will have the creditor or lender pulling your credit score, leading to a hard inquiry on your credit report. This inquiry will decrease your credit score by a few points. However, this credit score decline is temporary.

Is it a smart move to consolidate credit card debt? ›

Consolidating credit card debt is generally a good idea, since it makes it easier to pay off. If you qualify for a low interest rate on a debt consolidation loan, or you transfer your debts to a 0% balance transfer credit card, you'll save money on interest, which you can then put toward paying down your debt.

What should my credit score be to consolidate debt? ›

This varies from lender to lender, however, most of them require a minimum score in the mid-600s. For the best interest rates, aim to get your credit score to 700 or better.

Are there any disadvantages to consolidating debt? ›

The potential drawbacks of debt consolidation include the temptation to rack up new debt on credit cards that now have a $0 balance and the possibility of hurting your credit score with late payments. Also note that the best personal loans go to consumers with very good or excellent credit, so not everyone can qualify.

Why did my credit score drop when I consolidated my student loans? ›

Impact on Credit History: Consolidation could initially cause a minor dip in your credit score due to the hard inquiry associated with the new loan application. This effect on your payment history is usually temporary and can be offset by making timely repayments on your new consolidated loan.

Does debt consolidation affect buying a home? ›

Generally speaking, having a debt consolidation loan will not have a negative impact on your ability to refinance your home or obtain a new mortgage. In fact, it may actually improve your ability to qualify. One thing that a lender will assess during the mortgage or refinancing review is your debt-to-income ratio.

Can I buy a car after debt consolidation? ›

Answer and Explanation: No, debt consolidation doesn't affect buying a car. When a company utilizes its earnings in making purchases for a car, there is no relationship with the outstanding debts in the company.

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