MJ HarshbargerLocal Guide · 3 reviewsTotal number of Google reviews MJ has written across all businesses on Google Maps, not just this one.
Review from Google · view on GoogleRomy was great and very professional.
Credit Advisors Foundation
How the Experts Score is calculatedEach factor is scored 0–100 on absolute terms (standing in the category can only raise it), then weighted; problems flagged in review highlights or a recent slide in ratings are subtracted:Satisfaction 55%98+53.5Reliability 24%99+24Value 14%100+14.1Replies to reviews 7%100+7.1Experts Score= 99Grade A: A = 80+, B = 60–79, C = 40–59, D = 20–39. Needs 10+ reviews.99SCORE
AGradeLetter from the Experts Score: A = 80+, B = 60–79, C = 40–59, D = 20–39, F = under 20.
#26 of 51 financial advisorsPosition by Experts Score among all companies we track in this category. · better than 50%
5.0 ★★★★★ 1,581 Google reviews · 5 photos
97%five-star reviews
4.99★last 12 monthsAverage stars on reviews from the last 12 months only.
0%1–2★ in 2 yearsShare of 1–2★ reviews in the last 24 months — or the 20 newest reviews when the company had fewer than 20 in that time.
98%reviews answered by the owner
Nov 2026latest review
Credit Advisors Foundation at a glance
Reviewers describe the company's debt consolidation and credit counseling services as efficient, with staff frequently praised for clear communication, patience, and negotiating lower interest rates. The positive feedback highlights a straightforward signup process and helpful advice for creating manageable payment plans. However, a small number of negative reviews cite aggressive phone tactics, staff rudeness, and difficulties accessing detailed paperwork as recurring issues.
- Google rating: 5.0 out of 5 from 1,581 reviews (97% five-star).
- Reviews on this page: 1,581 Google reviews (1,048 with written comments, 3 with photos).
- Owner responses: the business replied to 98% of reviews.
- Most recent review: November 3, 2026.
- Service: Financial Advisor serving Omaha, Nebraska.
Data from Google, last updated November 5, 2026.
Score profile vs other financial advisors
Score per factor (100 = best)Each factor is scored 0–100 on absolute terms (star average, share of 1–2★ reviews, price verdicts…); standing within the category can only raise it, never lower it.. Strongest: craft & service and value; weakest: satisfaction.
SatisfactionSatisfaction · 54% of the scoreRecency-weighted star average (2-year half-life), shrunk toward the category mean by review volume; the company’s own lifetime average as the prior; absolute: 4.0★ = 0, 5★ = 100.Credit Advisors Foundation: 98/100 on this factor. Category median: 99.A
98
ReliabilityReliability · 24% of the scoreHow rarely jobs go badly: share of 1–2★ reviews — 60% the last 24 months (or the 20 newest if fewer), 40% all-time; 0% = 100, 15%+ = 0; the category percentile can only raise it.Credit Advisors Foundation: 99/100 on this factor. Category median: 99.A
99
Craft & serviceCraft & service · penalty only, up to −10 pointsGoogle review highlights: Quality, Professionalism, Responsiveness, Punctuality — how rarely reviewers flag them as a negative, per review since highlights began; 0% = 100, 5%+ = 0. Subtracted from the score (up to −10), never averaged in — clean highlights are the norm, not a bonus.Credit Advisors Foundation: 100/100 on this factor. Category median: 100.A
100
ValueValue · 14% of the scoreCustomers’ own price verdicts (Great / Reasonable vs Overpriced) and Value highlights; 65% absolute (all “reasonable” ≈ 80, “great” = 100), the category percentile can only raise it.Credit Advisors Foundation: 100/100 on this factor. Category median: 100.A
100
MomentumMomentum · penalty only, up to −10 pointsPenalises only a real slide: last-12-month average below lifetime (−0.5★ = 0). Still 4.8★+ over the last year, or steady/improving = 100. Subtracted from the score (up to −10), never averaged in.Credit Advisors Foundation: 100/100 on this factor. Category median: 100.A
100
Replies to reviewsReplies to reviews · 7% of the scoreHow often the owner publicly replies to reviews under 5★ (1–4★). Needs 3+ such reviews, otherwise not counted; 65% absolute (80%+ replied = 100), the category percentile can only raise it.Credit Advisors Foundation: 100/100 on this factor. Category median: 84.A
100
Bar = this company · dark tick = category median.
Star ratings
1,581 Google reviews we collected
- 5 stars1,53697%
- 4 stars372%
- 3 stars50%
- 2 stars10%
- 1 star20%
Praise vs complaints
Phrases our text analysis found in 1,048 written reviews
- Praise1,326100%
- Complaints60%
Topic share
How often each topic comes up in the written reviews
- Staff & attitude59845%
- Communication23217%
- Would recommend15211%
- Quality & results14511%
- Speed & response13510%
- Honesty & trust463%
- Price & value242%
What customers talk about
We read 1,048 written reviews and marked every phrase about these topics. The same colors are highlighted in the reviews.
“She was super friendly, helpful, and made the whole experience really enjoyable.”
“Pablo explained everything clearly and gave me advice to make the best choices to get out of debt.”
“I would highly recommend Amanda to anyone needing assistance.”
“Horrible service no managers available the staff cussed me his name was Daniel, very horrible, would not recommend.”
“And she is INCREDIBLY thorough and considerate of all the variables.”
“Great customer service and very responsive and fair”
“Provided exceptional advice, genuine care, and outstanding service.”
“She is fair and she plans a clear way out of the hole.”
People customers mention
- Romie 124 reviews
- Pablo 34 reviews
- Alex 25 reviews
- Lane 24 reviews
- Daniel 21 reviews
praise complaint · found by our text analysis, Google review wording unchanged.
Recent reviews
Kristie1 reviewTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · a day ago★★★★★
My experience signing up was very easy. Pablo explained everything clearly and gave me advice to make the best choices to get out of debt.
Matt6 reviewsTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · 2 days ago★★★★★
Romie was just wonderful. She was concise, positive, and fun. Highly recommend this service.
Diana2 reviewsTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · 2 days ago★★★★★
Quedé muy satisfecha y muy agradecida con la ayuda que me dio el caballero Pablo gracias mil👍
Jeff3 reviewsTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · 5 days ago★★★★★
Romie is incredible for what she achieved for me. I was paying over 28% interest on a credit card and she was able to negotiate it down to 6.6 % interest. I will no longer be throwing away my money to high interest rates and be able to pay off this credit card. You could not ask for anyone else to go to bat for than Romie.
Dairam2 reviewsTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · 6 days ago★★★★★
I had a great experience thanks to Romie! She was super friendly, helpful, and made the whole experience really enjoyable. Her positive attitude and excellent customer service definitely stood out. I really appreciate how welcoming and attentive she was. Highly recommend!
Trish3 reviewsTotal number of Google reviews this person has written across all businesses on Google Maps (not just this one). More reviews usually means a more experienced, trustworthy reviewer. · a week ago★★★★★
Romie is amazing! Debt and credit are so overwhelming and she makes it feel so easy! She shows zero judgment and is so patient! She explains everything in detail and makes sure you feel informed and understand everything prior to going to the next step! I’m SO glad I found her! Strongly recommend!!!
Photos
Customer reviews
5.0 ★★★★★ 1,581 reviews on Google · rating breakdown
Reviews from Google, shown as published (original wording, unedited).
Team members customers mention
Kristie Ainsworth1 reviewTotal number of Google reviews Kristie has written across all businesses on Google Maps, not just this one.
Review from Google · view on GoogleMy experience signing up was very easy. Pablo explained everything clearly and gave me advice to make the best choices to get out of debt.
Response from the owner · a day ago
Thank you, Kristie! We're glad to hear that your sign-up experience was easy and that Pablo was able to provide clear explanations and helpful advice. We appreciate your feedback!
Matt L6 reviewsTotal number of Google reviews Matt has written across all businesses on Google Maps, not just this one.
Review from Google · view on GoogleRomie was just wonderful. She was concise, positive, and fun. Highly recommend this service.
Response from the owner · a day ago
Thank you, Matt! We're so glad to hear that Romie made such a positive impression. Your recommendation means a lot to us!
Diana Lopez2 reviewsTotal number of Google reviews Diana has written across all businesses on Google Maps, not just this one.
Review from Google · view on GoogleQuedé muy satisfecha y muy agradecida con la ayuda que me dio el caballero Pablo gracias mil👍
Response from the owner · a day ago
¡Gracias, Diana! Nos alegra mucho saber que quedaste satisfecha con la ayuda de Pablo. ¡Tus amables palabras significan mucho para nosotros! Thank you, Diana! We're so glad to hear you were satisfied with the help from Pablo. Your kind words mean a lot to us!
Jeff Burns3 reviewsTotal number of Google reviews Jeff has written across all businesses on Google Maps, not just this one.
Review from Google · view on GoogleRomie is incredible for what she achieved for me. I was paying over 28% interest on a credit card and she was able to negotiate it down to 6.6 % interest. I will no longer be throwing away my money to high interest rates and be able to pay off this credit card. You could not ask for anyone else to go to bat for than Romie.
Response from the owner · a day ago
Thank you, Jeff! We're so glad to hear about the amazing work Romie did for you in negotiating your interest rate. It's great to know you'll be saving money and making progress on your credit card. We appreciate your kind words!
Dairam Ferrer2 reviewsTotal number of Google reviews Dairam has written across all businesses on Google Maps, not just this one.
Review from Google · view on GoogleI had a great experience thanks to Romie! She was super friendly, helpful, and made the whole experience really enjoyable. Her positive attitude and excellent customer service definitely stood out. I really appreciate how welcoming and attentive she was. Highly recommend!
Response from the owner · 6 days ago
Thank you, Dairam! We're glad to hear you had such a great experience and that Romie's friendly and attentive service made a positive impact. We appreciate your recommendation!
Brittany Leu8 reviewsTotal number of Google reviews Brittany has written across all businesses on Google Maps, not just this one.
Review from Google · view on GoogleMeets all my needs for this service! Works hard for me
Response from the owner · a year ago
Thank you, Brittany, for your amazing 5-star rating for Romie; we truly appreciate your support!
Trish Simpson3 reviewsTotal number of Google reviews Trish has written across all businesses on Google Maps, not just this one.
Review from Google · view on GoogleRomie is amazing! Debt and credit are so overwhelming and she makes it feel so easy! She shows zero judgment and is so patient! She explains everything in detail and makes sure you feel informed and understand everything prior to going to the next step! I’m SO glad I found her! Strongly recommend!!!
Response from the owner · a week ago
Thank you, Trish! We're so happy to hear that Romie made the process easier for you and ensured you felt informed every step of the way. Your recommendation means a lot to us!
John Ryder8 reviewsTotal number of Google reviews John has written across all businesses on Google Maps, not just this one.
Review from Google · view on GoogleAmanda was very helpful in helping me deal with my current financial crunch due to unexpected job loss like so many of my fellow Americans right now very appreciative for the help
Response from the owner · a week ago
Thank you, John. We're glad to hear Amanda was able to assist you during this challenging time. We appreciate your kind words and are here to help whenever you need.
Matt Hartman5 reviewsTotal number of Google reviews Matt has written across all businesses on Google Maps, not just this one.
Review from Google · view on GoogleGreat customer service and very responsive and fair
Response from the owner · a week ago
Thank you, Matt, for your kind words! We're glad you had a positive experience with Romie's customer service. Your feedback is truly appreciated.
Business details
- Address: 1818 S 72nd St, Omaha, NE 68124
- Phone: (402) 393-3100
- Website: creditadvisors.org
- Service area: Omaha, NE