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Accredited In-Depth Review
In a nutshell: Accredited DR makes it easier & faster to pay off credit card debt. It offers services covering debt reduction, consolidation loans, and more.
Accredited In-Depth Review
In a nutshell: Accredited DR makes it easier & faster to pay off credit card debt. It offers services covering debt reduction, consolidation loans, and more.
Accredited In-Depth Review
In a nutshell: Accredited DR makes it easier & faster to pay off credit card debt. It offers services covering debt reduction, consolidation loans, and more.
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Overview

Accredited Debt Relief is a debt consolidation company that helps Americans facing credit card debt by lowering monthly payments, and reducing the principal balance. New customers can start with a free consultation. Their website also hosts a calculator so that customers can view their potential savings and debt resettlement options in advance. Overall, their service helps those with debt of at least $10,000 or more come up with a sensible plan for paying off money owed.

Application Process

Accredited Debt Relief offers free consultations either by phone or through an online form. Customers interested in filling out the online form should be prepared to provide the following information: total debt owed, state of residence, first name, last name, email address, phone number. Once the consultation is complete, Accredited will provide a quote including an estimated savings plan. When both the customer and agent agree on a price, the customer will begin to make month-to-month payments.

Debt Services

Accredited Debt Relief focuses on debt reduction and debt consolidation. Their service costs range between 18%-25% of the total money owed, although pricing can vary depending on the state of residency. Although their advisors will help with debt management, they do not provide assistance in improving credit scores.

Before signing up for a free consultation, customers can go to the website to find out their savings using the debt consolidation calculator. If you have a debt of $25,000, for instance, the calculator will show an example of how to pay off debt by adjusting the repayment period and reveal overall savings. On average, repayment periods for debt resettlement range between two to four years.

Types Of Debt Covered

The company provides services in both debt management and debt consolidation. They offer multiple plans to meet the needs of individuals facing a variety of financial burdens. They will help reduce your debt as well as the lower amount you pay.

For those looking to simply lower their interest and monthly rates, Accredited has a debt consolidation service specific to their needs as well.

Customer Support

Accredited’s customer satisfaction rating is high. Many of their customer reviews online mention that representatives are friendly, patient and easily understandable. Customers can get in touch with customer support by phone or mail. Those looking to do research of their own can check out Accredited Debt Relief’s FAQ page on their website.

prosAndCons icon
Pros
  • Debt reduction & consolidation
  • Free consultation
  • Informative & friendly representatives
prosAndCons icon
Cons
  • Not available in all 50 states
  • Min debt recommended is $20,000
Accredited at a Glance
8.4Editorial Score
Application process
8.0
Application is straightforward and can be done entirely online, documentation requests are reasonable
Customer support
9.0
Phone and email support Monday through Friday from 8 AM to 11 PM ET, and Saturday and Sunday from 9 AM to 6 PM ET
Eligibility criteria
9.0
Accepts a range of unsecured debt, requires proof of financial hardship, but flexible, operates in most states
Customer rewards
7.0
No rewards
Financial tools and resources
9.0
No-risk guarantee, free consultations, personalized support, negotiate with creditors to reduce debt amount, consolidation loans
What else should I know about debt consolidation loans?
How can I choose the best debt consolidation loan for my needs?
To find the best debt consolidation loan, you'll want to compare interest rates, fees, and repayment terms across multiple reputable lenders. Use online comparison tools and customer reviews to evaluate your options and choose a loan that matches your credit profile and financial goals. This helps you avoid hidden costs and secure the most affordable, reliable solution for your debt relief needs.
What is the best way to consolidate credit card debt?
A fixed-rate personal loan is usually best. Compare interest rates, fees, and repayment terms from multiple lenders to find the best deal.
Can I get debt forgiveness through consolidation?
Consolidation itself doesn’t erase debt, but it can simplify repayment. Forgiveness may apply separately for eligible public service or hardship cases.
Are payday loans eligible for consolidation?
Yes, many lenders allow you to consolidate payday loans into a single loan, potentially reducing the sky-high interest rates.
Is there debt relief for teachers or medical professionals?
Yes, many professionals in education and healthcare qualify for forgiveness programs, grants, or low-interest consolidation loans.
What is the difference between a debt consolidation loan and a management plan?
A loan is a new credit product used to repay old debts. A debt management plan is a structured agreement with creditors, often via a nonprofit, that helps simplify repayment without taking out new credit.
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