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Trinity Debt Management is available in 45 states. Their services, however, are not available in Kansas, Montana, Nevada, New York, and Rhode Island. It’s recommended that you check with them directly to confirm availability in your state.

Trinity Debt Management is not accredited by some key industry organizations like the Better Business Bureau (BBB), the American Fair Credit Council (AFCC), or the International Association of Professional Debt Arbitrators (IAPDA). However, they hold registrations and licenses with various state consumer and business services departments.

Using Trinity Debt Management’s program may temporarily negatively impact your credit score as it requires closing accounts and changing payment structures. However, consistent payments through their debt management plan can improve your credit score by reducing overall debt and ensuring timely payments over time.

It’s advised not to use your credit cards during the debt management program to avoid accumulating more debt. The program aims to help you manage and reduce existing debt, and continuing to use credit cards can hinder this process.