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Freedom vs. National Debt Relief Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Good For
HELOCs as A Debt Solution
Min Credit Score
600
Loan Type
  • Home Equity Line of Credit
Prepayment Fee
None
Origination Fee
2.5%
Not provided

Service isn't provided

Debt Relief drop-down-btn
Good For
Free, no-risk credit card debt relief consultation
Good For
Get a free savings estimate today
Minimum Debt Amount

$25K

Minimum Debt Amount

$10K

Min Credit Score
None
Min Credit Score
Free Consultation
Yes
Free Consultation
Yes
Soft Credit Pull
Yes
Soft Credit Pull
No
Pros
  • Could help reduce the total debt owed
  • Willing to work with people who have been turned away or rejected by most other lenders or debt consolidation companies
  • Offers consumers more control over their current debt than making recurring minimum payments and increasing overall debt
Pros
  • Helps consumers realize approximate savings of 45% before fees.
  • No upfront fees.
  • 21,000 Five-Star reviews on Trustpilot.
  • A+ Rating with the BBB.
  • Largest footprint in the industry
  • On average, become debt-free in 24-48 months.
Cons
  • cons Though debt can be lowered, the service itself does have a fee associated
  • cons Enrolling on to this program will lower your credit score
Cons
  • cons DR program can cause a temporary drop in your credit score.
  • cons The debt settlement process can take up to 48 months.
  • cons Unlike a cash-out refinance, you will not be able to get cash from a debt settlement program.
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