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Accredited Debt Consolidation

Accredited Debt Consolidation negotiates a consolidated debt amount that is reasonable to pay back.

Our Score
9.1
User Score
9.6

Call now for your free consultation!  1-(866) 757-7228

Our Score
9.1
User Score
9.6
Rank this Company

Ratings Breakdown

Price

monthly service fee
$10-$40

Up-Front Fees

setup & activation fees
$0-$100

Free Consultation

is one included?
Yes

Time in Business

total # of years
9 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
No

Number of Reviews

User reviews here on BDC
114

This Review is maintained by Chase Sagum

Review Last Updated: March 24, 2017

Accredited Debt Relief offers a debt consolidation service to clients in need of managing their credit card debt. They have partnered with premier debt relief companies to better serve their clients. Their team has over twenty collective years of experience in the debt relief and financial services industries. The Accredited debt consolidation negotiators have settled thousands of accounts getting results for businesses, families, and individuals.

The Good

  • Program benefits
  • Free consultation
  • Online management
  • Enrollment

Program Benefits

A dedicated debt specialist will evaluate each client’s financial situation and match them with the best consolidation program for their needs. These programs provide solutions that allow for better management of all credit obligations. With the Accredited Debt Consolidation program, clients can expect to work towards financial freedom with the following capabilities:

  • Reduction of monthly payment – this is achieved by negotiators working with your creditors
  • Elimination of multiple creditors – there may be a solution with creditors that allows for complete elimination
  • Lower interest rates – rather than paying obscene interest rates, Accredited typically gets rates down to a manageable 7.9 percent.
  • Straight-forward bill-paying process – paying back your debt and for debt consolidations services are made easy with online access.
  • Avoid delinquencies – no more delinquencies will be reported or reflected on your credit reports.

Free Consultation

Finding out which company or debt consolidation option is best for your financial situation can be difficult and time consuming. Accredited Debt Consolidation has found a way to streamline this process by providing free quotes and consultations. By simply calling Accredited at 866-345-5007, prospective clients will be able to go over their specific situation to find out which program will reap the greatest results.

Online Management

Clients are never left in the dark when it comes to what is being done on your case. With an online account, clients will be able to see what stage their negotiations are in and start to see the results of the Accredited team. Accounts can be accessed online, at any time, and from both desktop and mobile devices.

Enrollment

Following the free consultation and subsequent decision to enroll in the Accredited debt consolidation program, the process to get started is relatively simple and fast. Once you sign up, negations begins within one to two weeks. Now, that does not mean debt will be consolidated that quickly, but the program and the work starts within the first five to ten business days.

Get started with Accredited Debt Consolidation

The Bad

  • Debt settlement focus
  • Availability

Debt Settlement Focus

There are a number of debt relief solutions associated with the debt consolidation program. However, Accredited Debt Relief typically focuses on providing debt settlement services despite offering various debt relief options. While this focus does not necessarily mean that they will not provide you with necessary help, it is important to note where the majority of their business comes from.

Availability

The number of current states that Accredited Debt Consolidation can operate in is rather disheartening. At the present time, only eight states have access to the debt consolidation branch of services offered by Accredited. Only residents that live in the following states will be able to use Accredited for debt consolidation: Iowa, Idaho, Indiana, Maryland, Minnesota, Missouri, Montana, and Texas.

The Bottom Line

With Accredited, clients will be able to almost immediately see work being done on their case as they work towards financial freedom. That being said, there are some questions surrounding their accreditations and ability to service a vast majority of the country. For those that live in a state where Accredited debt consolidation operates, it may be worth obtaining a free quote and taking advantage of the free consultation to see if the service fits your specific financial needs.

About Accredited Debt Consolidation Solutions

Accredited Debt Relief works to relieve people of the stress credit card and other forms of debt can cause. The Accredited team will work with creditors on your behalf to consolidate the debt and make it easier to become debt-free.

Price

Monthly prices will vary depending on a number of factors. On average, a person can expect to pay anywhere from $10-$40.

Up-Front Fees

Similar to the monthly costs, up-front fees will vary as well. They can cost anywhere from $0-$100.

Free Consultation

Each prospective client will be able to take advantage of a free consultation. During this consultation, it will be determined exactly what Accredited can do for you.

Time in Business

The debt consolidation portion of the business was launched in 2008.

Debt Education

There are both counseling and education services offered.

Cancellation Policy / Money-Back Guarantee

Unsecured vs. Secured Loans

Accredited Debt Consolidation takes on unsecured loans.

Mobile-Friendly Site

Yes, users can access their account through their mobile device.

Contact Information

Phone Number:

866-731-7070

Address: 

591 Camino De La Reina, Suite #818
San Diego, CA 92108

Business Hours:

Monday- Friday: 7:00 AM – 7:00 PM Pacific
Saturday and Sunday 8:00 AM – 5:00 PM Pacific

Services Provided

Debt relief options include: bankruptcy, credit counseling, debt consolidation, debt management, and debt settlement.

Minimum Debt Accepted

Contact Accredited for more information.

Online Dashboard

Yes, there is an online dashboard for clients.

CPFC Certified

Not certified.

ISO Certified

Not certified.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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We'll Introduce you!

Call our recommended rep over at Accredited Debt Consolidation below.

1-(866) 757-7228
Or you can visit their site by clicking here.

114 Accredited Debt Consolidation Reviews

1. Select Your Rating:

1
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14
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0=WORST 10=BEST

2. Subject For This Review*(Select all that apply)

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    Sort By:

  1. User Score
    10
    March 26th, 2017 Hesperia, CA
    0 people found this review helpful!
    AJ was very helpful in getting me started with my debt relief program! I feel really confident that this problem can be resolved quickly!
    Read More
  2. User Score
    10
    March 25th, 2017 New Rochelle, NY
    0 people found this review helpful!
    it was a pleasure you made me feel comfortable and that you genuinely understand and cared about my situation. Thank you
    Read More
  3. User Score
    10
    March 24th, 2017
    0 people found this review helpful!
    Kimberly is really knowledgeable, patient and sweet…5Stars customer service.
    Read More
  4. User Score
    10
    March 24th, 2017 San Jose, CA
    0 people found this review helpful!
    Very Professional. Feel confidence in the process outlined to get me out of debt. Very positive experience.
    Read More
  5. User Score
    10
    March 23rd, 2017 Schenectady, NY
    0 people found this review helpful!
    AJ was very patient & thorough…He spent the time to go over all the things with me..
    I look forward to a smooth and satisfying relationship with the firm…..
    PW
    Read More
  6. User Score
    8
    March 22nd, 2017
    0 people found this review helpful!
    Damian H is debt counselor who helped me to join this program. I truly appreciate his help
    Read More
  7. User Score
    10
    March 22nd, 2017
    0 people found this review helpful!
    This conversation and the workout was a complete relief for me. Not only I will be paying less, I feel completely in control, as the debt relief service does all the negotiating, but they ask me for my approval for everything. They take my interests completely into consideration. Great program, highly recommended.
    Read More
  8. User Score
    10
    March 22nd, 2017 Orlando, FL
    0 people found this review helpful!
    Kenneth was very professional and thorough in the entire process. He made me feel confident about my situation and that there was no need to stress anymore. Knowing that Freedom would work with me and my situation made the weight on my shoulders go away
    Thank you for being so courteous and helpful and offering continued advice and follow-up through the process.
    Read More
  9. User Score
    10
    March 22nd, 2017
    0 people found this review helpful!
    Jonathan L was extremely helpful with with my debt problem. He even got us a six month extension to the original 46 months which lower my payment. Jonathan is a credit to Freedom Debt and we look forward to his advice in the future. We are trying to expand our new Small Business and there are many vendors out there who take your money for services they promise BUT do not deliver. It was a relief to found someone like Jonathan who seems to want to help us survive. Thank for having Jonathan represent your company.
    Noreen and Peter Welch Deerfield Beach, Florida
    Read More
  10. User Score
    8
    March 22nd, 2017
    0 people found this review helpful!
    My experience was great Kelsey has helped me and answered all my questions
    Read More
  11. User Score
    10
    March 21st, 2017
    0 people found this review helpful!
    Dan was extremely nice and knowledgeable. He genuinely seemed to care about my financial needs and hopes for my future.
    Read More
  12. User Score
    10
    March 21st, 2017 Humble, TX
    0 people found this review helpful!
    Nick was warm, thorough, kind, understanding and effectively methodical. He took the time to better understand my particular situation and recommended a sound course of action based on my financial picture. His outreach came as a breath of fresh air and I would recommend that anyone suffering from the burden of overwhelming debt turn to ADR (specifically Nick) for a lifeline.
    Read More
  13. User Score
    10
    March 21st, 2017
    0 people found this review helpful!
    The representative (Sam H), that assisted me was great. He was very knowledgeable and explained the process and benefits in a way that made it easy for me to want to go forward with the program. I’m glad I answered his call. Thanks!
    Read More
  14. User Score
    10
    March 21st, 2017 Gladewater, TX
    0 people found this review helpful!
    My consultant was very helpful and made me feel confident that our debt issues will be resolved at the end of the program.
    Read More
  15. User Score
    10
    March 20th, 2017
    0 people found this review helpful!
    great customer service and knowledge of what he is doing
    Read More
  16. User Score
    10
    March 20th, 2017
    0 people found this review helpful!
    christopher was awesome in helping me through the whole process…i felt like he was my friend and truely cared about my hardship and felt my pain and want to really help me…he took his time and explained everything to me and took all my questions and answered them all…going through this was made much easier and took a lot off my mind and now i can go on with what i need to do to get back on track in my life…thanks much…david timpson
    Read More
  17. User Score
    10
    March 20th, 2017
    0 people found this review helpful!
    Very professional
    Read More
  18. User Score
    10
    March 17th, 2017 Natick, MA
    0 people found this review helpful!
    I talked to Eric B he is wonderful he answered all my questions like a true professional. He was very knowledgeable about his job. Couldn’t ask for a better Customer Service Representative. Thank you
    Read More
  19. User Score
    4
    March 17th, 2017
    0 people found this review helpful!
    Ended up with huge debt after suffering cancer, out of work for almost a year along with supporting my sons family with a special needs child x 4 years who was out of work during the economy crash 2010-2014. Signed up with FDR to be debt free in 4 years. Sounded great and relief was on its way. After 8 months and $9800.00 deposits later. One of about 10 creditors paid in full for approximately $300.00. During month of January 2017 my mother took ill and died after a month of suffering. I asked if one payment could be held as I didn’t work due to being at her bedside. No one disclosed that it would cause a default with a creditor settlement and $4000.00 paid would be lost and the settlement would have to be renegotiated. When inquiring as to why this wasn’t disclosed When I asked, I was told by an irritable client rep that it was in my original agreement and totally my fault for not making that one payment. I would NOT have asked for this favor if they would have explained Upfront!
    The bottom line, do not ask for a payment to be held or you will suffer the consequences! I almost wish I would have filed bankruptcy instead, but I was too proud! Credit score and personal suffering now. If they would do their job right and actually advocate for the consumer than this would be a good deal.
    Read More
  20. User Score
    8
    March 17th, 2017
    0 people found this review helpful!
    so far so good they just need to talk slower or have less caffine
    Read More

Poll

  • When looking for a debt settlement company, which of these two aspects is most important to you?
  • 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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Our Score
9.1
User Score
9.6
Rank this Company

Ratings Breakdown

Price

monthly service fee
$10-$40

Up-Front Fees

setup & activation fees
$0-$100

Free Consultation

is one included?
Yes

Time in Business

total # of years
9 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
No

Number of Reviews

User reviews here on BDC
114
Our Score
9.3
User Score
9.5
Rank this Company

Ratings Breakdown

Price

monthly price range
Up to $69

Up-Front Fees

setup & activation fees
Up to $49

Free Consultation

is one included?
Yes

Time in Business

total # of years
24 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
Yes

Number of Reviews

User reviews here on BDC
443