Accredited Debt Consolidation
Accredited Debt Consolidation negotiates a consolidated debt amount that is reasonable to pay back.
Call now for your free consultation! 1-(855) 281-6216
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 debt 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 to get your monthly payments to a lower, more manageable amount
- Elimination of multiple creditors – there may be a solution with creditors that allows for complete elimination
- Lower interest rates – rather than paying obscene credit card debt 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 score
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 with 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 management program, the process to get started is relatively simple and fast. Once you sign up, negotiations begin within one to two weeks. Now, that does not mean your debt will be consolidated that quickly, but the program and the work start within the first five to ten business days.
The Bad
- Debt settlement focus
- Availability
Debt Settlement Focus
There are a number of debt relief solutions associated with the debt consolidation program and debt consolidation loans. However, Accredited Debt Relief typically focuses on providing debt settlement services despite offering various debt relief options including debt consolidation. 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 debt and other forms of unsecured debt can cause. The Accredited Debt Relief team will work with creditors on your behalf to consolidate the debt and make it easier to become debt free.
Price
Monthly prices and monthly payment amounts 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.
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User Score100 people found this review helpful!This was the only time I have connected with a debt consolidation company that I felt comfortable enough to actually use the service to help myself. I appreciate the honesty and explanations I received during my conversation with the representative. Thanks to my experience with this particular company. I will be free of debt.Was this review helpful? YesRead More
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User Score100 people found this review helpful!Tyler did a great job of guiding me through the program. He calmed me own about my situation (which was sinking into more and more debt) and showed me I had an option other than borrowing at high interest to pay my bills. I’d like to say “Thank you, Tyler you lifted a weight off my shoulders.”Was this review helpful? YesRead More
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User Score100 people found this review helpful!Thank you Ryan! Your care and concern gave me hope and peace of mind. I’m excited about getting help to get my finances under control and paid off. The process through Accredited Debt Consolidation was quick and very professional. Again thank you so much!Was this review helpful? YesRead More
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User Score100 people found this review helpful!Jordan was very helpful in explaining to me how the program works and was very knowledgeable with the questions that I had for her . She was very prompt in returning phone calls to me. She went thru the entire process and asked if had any questions along the way. I will recommend her to any one in the same situation as I am.Was this review helpful? YesRead More
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User Score100 people found this review helpful!Quite overwhelming! I answered a email for debt relief and spoke with Larry Ley who explained the programs. Underwriting made a decision to go forward on a certain plan.
Here I am . Have to digest all the instructions, Looking ahead to a breath of fresh air from
my debt situation. Thank You.Was this review helpful? YesRead More -
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User Score80 people found this review helpful!I am very satisfied with the attention and explanation of your product. The attention received from your personnel was more than great. I had a long time I did not experience such treatment by personnel in customer services. Thank youWas this review helpful? YesRead More
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- 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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