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Accredited Debt Relief Review
In a nutshell: Accredited Debt Relief, a division of Beyond Finance (founded 2011), offers personalized debt consolidation and settlement services for U.S. clients with at least $10,000 in unsecured debt. With an A+ BBB rating, multiple professional accreditations, and 700,000+ clients served, it delivers a structured, empathetic approach. It is ideal for those seeking significant savings and expert guidance.
Accredited Debt Relief Review
In a nutshell: Accredited Debt Relief, a division of Beyond Finance (founded 2011), offers personalized debt consolidation and settlement services for U.S. clients with at least $10,000 in unsecured debt. With an A+ BBB rating, multiple professional accreditations, and 700,000+ clients served, it delivers a structured, empathetic approach. It is ideal for those seeking significant savings and expert guidance.
Accredited Debt Relief Review
In a nutshell: Accredited Debt Relief, a division of Beyond Finance (founded 2011), offers personalized debt consolidation and settlement services for U.S. clients with at least $10,000 in unsecured debt. With an A+ BBB rating, multiple professional accreditations, and 700,000+ clients served, it delivers a structured, empathetic approach. It is ideal for those seeking significant savings and expert guidance.
Overview
Accredited Debt Relief operates under Beyond Finance and is a provider of debt relief and debt settlement services in the U.S. It has helped over 700,000 clients reduce or settle their unsecured debts. The company is BBB-accredited with an A+ rating and is a member of the American Fair Credit Council (AFCC), the International Association of Professional Debt Arbitrators (IAPDA), and the Association for Consumer Debt Relief (ACDR). The brand distinguishes itself through compassionate customer service, accredited experts, and a hybrid model that allows clients to access either debt settlement or partner-based consolidation options.
Pros
- BBB-accredited with an A+ rating
- 700,000+ clients helped since 2011
- Free consultation & personalized plans
- No upfront fees charged for settlement services
Cons
Application Process
- Free initial consultation: Clients provide financial details in an obligation-free call or form.
- Eligibility: Must have $10,000+ in unsecured debt.
- Plan setup: Clients either enroll in a settlement program or receive partner-based consolidation options.
- Escrow deposit: For settlement plans, clients begin saving in an FDIC-insured escrow account.
- Negotiation & settlement: Accredited negotiates with creditors and pays settlements from the escrow account.
- Completion: The process generally takes between 24–48 months.
Debt Services
- Debt Settlement: The primary service, where Accredited negotiates to reduce the overall debt amount.
- Debt Consolidation Loans: Available through partner lenders, consolidating multiple debts into one manageable payment.
Types Of Debt Covered
- Credit card debt
- Personal loans
- Collection accounts
- Medical bills
- Private student loans
Note: Does not cover mortgages, auto loans, or federal student loans.
Customer Support
Customer support is available via phone and email, with advisors who guide clients through the entire process. Accredited receives high praise on Trustpilot (4.8/5 stars) and holds numerous Buyer’s Choice Awards on ConsumerAffairs. Agents are trained to provide empathetic and tailored guidance.
AI was used in the creation of this content, along with human validation and proofreading.
Pros
- BBB-accredited with an A+ rating
- 700,000+ clients helped since 2011
- Free consultation & personalized plans
- No upfront fees charged for settlement services
Cons
- Potentially lengthy process (up to 4yrs)
- Risk to credit score & legal exposure
- Fees are only disclosed during consultation
Our Top 3 Picks
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
FAQs About Debt Consolidation Loans
Looking to improve your financial well-being and simplify your monthly payments? In addition to comparing some of the best debt consolidation loan companies, we've compiled some of the most commonly asked questions about debt consolidation loans to help you make an informed decision.
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