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Settlement
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- $0 Fees Until Settlement is Reached
- 15+ Years in Business
- ZERO upfront costs
Our Score
9.1
User Score
8.9
Consolidation
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- No credit score requirement
- Cancel anytime with no fees
- Great for credit card debt
Our Score
9.4
User Score
9.6
Settlement
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- ZERO upfront costs
- Money-back guarantee
- No credit score required
Our Score
8.9
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9.5
e.g. Such as CareOne, CuraDebt etc. | Browse by Settlement | Browse by Consolidation
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Settlement
Consolidation
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- Money-back guarantee
- No fees until settlement is reached
- Minimum debt: $7,500
Our Score
8.8
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9.6
Consolidation
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- Affordable monthly fees
- Free consultation & credit counseling
- Not available in all 50 states
Our Score
8.4
User Score
9.7
Our Score
7.3
User Score
9.8
Most Recent User Review: Accredited Debt Consolidation
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User Score100 people found this review helpful!Jordon was very informative, helpful and personable which made me feel comfortable speaking with her about my debt situation.
Speaking openly about my debts is not easy but her personal touch made it much easier for me to discuss such private matters.
Was this review helpful? YesRead More Accredited Debt Consolidation Reviews
- Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
- Negotiates with your creditors on your behalf.
- Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
- Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
- Combines all your debts and creditors into one monthly payment.
- Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
- You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
- Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
- Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
- Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
- Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
- Borrowers can receive funds from their loan within only a few days.
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