Debt relief company · complaint record
Is 360 Credit Consulting legit?
360 Credit Consulting is a real debt relief company with a public complaint record: 4 complaints since 2020, though none recently. It answered 75% on time and closed 100% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Rated once a company has 25+ complaints in 12 months. How it works
What the record shows
Good signs
Not enough on record to call any out yet.
Red flags
- Slow to answerOnly 75% of complaints answered on time.
From the complaint record only. A company can be legitimate and still not be right for you; a company with few complaints may simply be small.
- Complaints on record
- 4
- Last 12 months
- 0
- Answered on time
- 75%
- Closed with relief
- 100%
- Last 30 days
- 0
- Rank
- -
Since October 2020
new vs the year before
Industry: 91%
Typical debt relief company: 16%
Newest: Oct 17, 2025
How to check 360 Credit Consulting yourself
- Use contact details you found yourself. Go to the company's own website or the number on your card or statement - never a number or link from a text, email or caller.
- Check its licence. Lenders, servicers and money transmitters are usually licensed by the states - search NMLS Consumer Access and your state's financial regulator.
- Read the latest complaints. Look for the same problem again and again in the complaint log, and at how they were answered.
- Read people's own experiences. See what others say about 360 Credit Consulting, and add yours.
- Get everything in writing before you pay, sign or share anything.
More: how to check if a company is legit · how to spot financial scams
Your rights with debt relief & credit repair companies
The Credit Repair Organizations Act bans credit repair companies from charging before the work is done and gives you three days to cancel. Debt settlement companies that sell by phone cannot charge fees until they have actually settled a debt. You can do everything a credit repair company does yourself, for free.
General information, not legal advice; rules vary by state. Plain-English guides
Experiences with 360 Credit Consulting
AllHave you dealt with 360 Credit Consulting? Tell people whether it was legit in your experience.
Share yoursQuestions people ask
Is 360 Credit Consulting a real company?
360 Credit Consulting is a real debt relief company with a public complaint record: 4 complaints since 2020, though none recently. It answered 75% on time and closed 100% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Is 360 Credit Consulting a scam?
Its record shows a real debt relief company that answers complaints through the official process (75% on time). Scammers often pretend to be well-known companies, though: if someone contacts you claiming to be 360 Credit Consulting, hang up or delete the message and contact the company using details you found yourself. Walk away from anyone who wants money up front, tells you to stop contacting your creditors, or promises a "new credit identity".
Can I trust 360 Credit Consulting?
Look at the trend and the answers rather than the total: 360 Credit Consulting closed 100% of complaints with relief and complaints are too new to show a trend. Read the experiences from people like you.
What should I do if 360 Credit Consulting won't fix my problem?
Put it in writing to the company, keep copies, then file an official complaint - companies must answer. See what to do if a company ignores your complaint.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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