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Century Reviews


bestfor-icon Debt Relief with No Up-Front Costs

Written by Steven Walters

About Century | Read More


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Mon - Fri 9:00 AM - 8:00 PM EST
Sat - Sun Closed
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  • customercare@centuryss.com
  • (844) 728-0307
  • Headquarters: 2000 Commerce Loop, Suite 2111 North Huntingdon, PA 15642
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Century Debt Relief Review

Century provides debt relief services for all types of clients, even those who are struggling with poor credit situations. Century has created a proven program for debt relief that will consolidate your debts into one monthly payment that resolves your debt issues as rapidly as possible.

Century Debt Relief Highlight


Min Credit Score


Minimum Debt Amount

Min $10K

Loan Amount

24-48 months

Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee


Funding Time

Pros & Cons

  • con-icon Free assessment with a certified specialist
  • con-icon Personalizing a plan for each consumer to fit a manageable plan
  • con-icon Experienced and strategic debt solutions expertise that produces results for clients
  • con-icon Good customer service
  • con-icon Few services offered
  • con-icon Not available in all 50 states

Debt Relief Product Types

  • Debt relief consultation service

Century Debt Relief Terms & Requirements

Qualifying for Century’s debt relief program is easy. You must have at least $10,000 worth of unsecured debt and live in one of the 44 states serviced by Century. Fees are equal to 25% of the debt settled and are not paid until after the debts are fully settled. These are very fair terms in our experience and compare favorably with the debt relief industry.

How to Apply

Applying to enroll in Century’s debt relief program is downright simple. The easiest path is to pick up the phone and give them a call, but if you’d rather go online to start the process that’s easy too.

Just navigate to their website and click one of the orange buttons that says “Start My Free Assessment.” That will take you to the initial form, which you can fill out in seconds.

Once filled out you can click the “Start My Free Assessment” button again and you’ll see that you’re done! You can go ahead and call one of their debt relief specialists immediately, or schedule a time that’s most convenient for you.

Qualification Requirements

  • Minimum unsecured debt of $10,000
  • No minimum credit score required
  • U.S. citizens and residents
  • Minimum age of 18

Required Information

Century makes it easy to get started, either by filling in an online form, or by calling one of their debt negotiation specialists directly. In either case you’ll need to provide a certain minimum amount of information to get the process started. These include:

  • Name and contact information
  • Estimated debt owed
  • If you are late on your payments
  • Social security number
  • Current income
  • Current financial obligations (mortgage/rent, car loans or leases, etc.)

Application Steps & Time Frames

After the initial consultation you’ll be able to determine if Century can save you money with its debt relief program. If you move forward, you will follow Century’s three-step program:

  1. Enroll and set up a reserve account. This can begin immediately.
  2. Once enough money is in the reserve account, negotiations with creditors begin. This is typically 2-4 months after enrolling with Century.
  3. Monthly payments continue for up to 48 months to become debt free.

We found this three-step plan to be simple and easy to understand. Debt relief and consolidation can be quite complex, but Century has made the process easy to understand and follow through with.

State Availability

Available - Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin,

Not Available - North Dakota, Oregon, Rhode Island, Vermont, West Virginia, Wyoming,

Steve has been writing in the financial products space for over a decade, with interests ranging from personal loans to investing. He is also deeply into the blockchain space. In his free time, you can find him in the kitchen preparing delicious meals, or outside hiking and biking.



Does Century change for their assessment?

There is no charge for the initial assessment at Century.

Will I get personalized service?

Each client receives a personalized debt relief plan specific to their own unique situation.

Can I negotiate my own debts?

You can, but Century has been negotiating with creditors since 2003. Most people will benefit from the negotiation skills that Century brings to the table.

Customer Support

We contacted the customer support staff at Century to learn first-hand if they are as excellent as their reputation suggests. We weren’t disappointed as the representative we spoke with was experienced and professional in answering the questions we prepared.

The responsiveness was the first positive experience. Our call was answered within seconds. The representative was extremely friendly and helpful in answering all of our questions. It was great to speak with a live human who really knew what they were talking about, rather than a bot or someone in a call center who isn’t really familiar with the  product.

Privacy & Security

Century is an accredited member of the American Fair Credit Council and the International Association of Professional Debt Arbitrators plus a few awards to their name, which is a good indicator of their level of professionalism.

Century deploys strong security measures to protect your privacy and personal information.

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