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Accredited - Debt Consolidation

Jessica Cotzin Jessica Cotzin Last update:
Minimum debt
$15,000
Credit Score
Poor +

Accredited DR is a trusted company helping individuals regain their financial footing in less than four years.

Having opened in 2011, they’re one of the youngest DR programs available. And while young, they have an A+ rating with the Better Business Bureau as well as accreditation with the American Fair Credit Council (AFCC).

If you’re looking for DR and you have a minimum of $15,000 in debt, you can either call or submit a free quote request from their website to get connected with a representative. They’ll be able to break down their services and the expected rates, if you qualify.

Accredited DR , as its name implies, focuses on debt consolidation. They work directly with creditors to reduce their clients’ overall debts and monthly payments.

Accredited Overview

Qualifying debts Unsecured Debt
Minimum Debt $15,000
Avg. Debt Completion 1-4 years
Interest Rate None
Minimum Credit Score No minimum
DR Type Debt Consolidation, DS.
Good for: Debt Consolidation, Debt Reduction, Debt Payoff, Financial Repair
Free Quote

Who Is Accredited DR Good For?

Accredited DR is a financial solution good for those who are struggling to manage and pay down their debt. Rather than borrowing more money to manage debt, Accredited DR negotiates with their clients’ creditors on their behalf to secure settlements that are significantly lower than the original amount owed.

Accredited DR is designed to help individuals avoid bankruptcy and get creditors to work with them. Knowing that certain debt consolidation services can negatively affect credit, they spend time during the free consultation to determine if consolidation services are the right direction to take.

They discuss the pros and cons in detail with each individual, helping them take the best step forward.

* Individuals must owe at least $15,000 and have a consistent monthly income to be able to use this program.

Accredited DR Pros

  • Free consultation
  • Assigned a personal representative
  • Working relationship with the major creditors
  • Rates are fair/better than other debt consolidation programs
  • No minimum credit score

Accredited DR Cons

  • May temporarily affect credit score
  • Not available in all 50 states
  • Must owe $15,000+

Application Process

Getting started with Accredited DR is simple. On their website, they have an online form where you can submit your request for a free consultation. Here, they’ll ask you for some information and then a representative will contact you.

The first thing you’ll be asked is how much debt you owe. Next, they’ll ask for a few personal details, like your name, phone number, email, and state. They’ll use this preliminary information to evaluate which of the debt solutions is best for your financial situation.

After you’ve submitted this initial request online, a representative will reach out to you by phone where you’ll be able to elaborate on your specific financial situation, your income, and provide documents as needed/requested.

From there, Accredited DR will submit a soft credit check and review your information to see which debt consolidation options you qualify for.

During the discovery phase, you may be required to produce documents including bank statements, creditor statements, and even proof of employment.

Free Quote

Terms & Requirements

To use the Accredited DR service, there are a few requirements that must be met. Plus, the expectancy is that the debtor will pay down their debts in four years or less.

Debt Requirements

  • Must owe at least $15,000 in debt.
  • Debt must be unsecured; cannot be used for mortgages, federal student loans, auto loans and other select debts.
  • Must have consistent, provable income to make monthly payments.
  • Must live in an approved state

Debt Repayment Terms

  • Terms are 1-4 years

Privacy & Security

Accredited DR is an affiliate of Beyond Finance, Inc. and acts on behalf of Beyond Finance. The information shared with Accredited DR is also shared with Beyond Finance. Any information provided to Accredited DR will be used to help negotiate with the creditors and communicate with the debtor.

Accredited DR has several additional websites and companies that it shares the information received with. You can opt-out of third-party information sharing by contacting them via email.

As of this review, Accredited DR has not had any reports of data breaches or data leaks. As such, they have a stellar reputation for keeping debtors’ data safe.

Customer Support

Accredited DR offers multiple ways to reach them for customer support, including: email, live chat and phone.

When contacting them via phone for more information, a representative answered immediately and was able to answer any questions related to their debt consolidation products and how the program works.

Representatives are available from Monday through Sunday between 6:00 AM and 7:00 PM Pacific Standard Time (PST).

Final Thoughts

For those struggling with high monthly payments on their credit cards or loans, or for those who would like to decrease their current interest rate, participating in an Accredited DR program with Accredited DR could be the right step in getting your finances in order.

Accredited DR helps individuals regain control of their finances with customized DR solutions, depending on your specific situation. They work with individuals who have at least $15,000 in unsecured debts, and have verifiable and consistent income.

The best way to find out what you qualify for is to contact them today and discuss the details of your debt.

Address

4835 Eastgate Mall

San Diego, CA 92121
Free Quote

Disclosure
This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website. These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.
Jessica Cotzin Jessica Cotzin
Jessica Cotzin is a writer and the Lendstart authority on small businesses and personal loans. She has been writing about personal finance and the loans industry for a number of years, and holds a bachelor’s degree in journalism from Florida Atlantic University.
This review is based on the writer's personal opinion.