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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 (though we may also review brands we are not engaged with). 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.

CountryWide DR

Jayson Derrick Jayson Derrick Last update:
Minimum debt
$5,000
Credit Score
Poor +

CountryWide DR is a company that strives to help individuals get out of their personal debt in as little as 12 months and up to four years. The company is known for taking the time to understand everyone’s individual needs with the objective of helping them achieving financial freedom.

Accredited with the Better Business Bureau since early 2020, CountryWide DR boasts an A+ rating. The company is also accredited with the American Fair Credit Council (AFCC).

They offer a free application process with no commitments. Consumers can get approved in minutes and CountryWide DR is known to help those with poor credit scores.

CountryWide DR specializes in helping customers that are stuck with six types of debts, including: 1) credit card debt, 2) payday loans, 3) installment loans, 4) medical collection accounts, 5) deficiency balances of auto loans, and 6) unsecured personal lines of credit.

Loan Types Consolidation Loans, Credit Card Consolidation
Loan Amount (range of loan amount) The amount of your debt (with a min of $10,000)
Repayment Terms (loan length in months) 1-4 years
APR (interest rate in %) Varies from 5.99% to 35.809%.
Minimum Credit Score No minimum
Lender Type (market, direct lender, etc) Debt loans provider.
Good for: Debt loans, Debt Reduction, Debt Payoff, Financial Repair
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Who Is CountryWide DR Good For?

CountryWide DR is a company that takes the time to analyze everyone’s specific needs and then come up with an appropriate debt plan. Debt solutions is an ideal option for people who are mostly up to date on their monthly payments but aren’t able to meaningfully lower their balance because of high-interest rates.

CountryWide DR is open to consumers who have at least $10,000 in debt.

A debt program would combine all of the consumer’s higher interest obligations into one single amount owed. Instead of keeping track of multiple payment due dates, consumers will need to pay just one single bill each month.

Individuals with bad credit are accepted (subject to certain conditions) and even those whose debts are greater than their assets can be approved. Individuals who can’t afford monthly payments or with a history of delinquency can also work out a payment plan with CountryWide DR.

Anyone who isn’t sure if CountryWide DR is ideal for their individual needs can reach out to the company and discuss options directly with one of their trained debt consultants.

CountryWide DR Pros

  • Free consultation with a debt expert.
  • Instant approval process.
  • Fees are performance-driven so if you don’t save money you don’t pay a service fee.
  • Expertise in working with individuals that have small or variable income.

CountryWide DR Cons

  • Approval guarantee comes with conditions, including a minimum of $10,000 total debt and the ability to pay 1.5% of total debt a month or $250 whichever is greater.
  • Credit score will temporarily be negatively impacted.
  • The maximum APR of 35.89% is very high.

Application Process

Getting started with CountryWide DR is a simple process that consists of just three steps. The first step involves discussing your individual debt situation with a CountryWide DR debt advisor. They can be reached via a toll-free number or by submitting your information through CountryWide DR’s website and a representative will reach out and contact you.

You will be asked as both the online and offline process to discuss in detail the types of debt you want to pay off, if you are up to date on all your bills, and several other necessary questions.

At some point throughout the application process, a credit check will likely be conducted and will likely have a temporary impact on your score.

After the first step is complete, a CountryWide DR will come up with curated options based on your individual wants and needs.

The final step is up to you to consistently pay your debts as agreed upon with the CountryWide DR expert. Of course, you won’t be left on your own and representatives will always be available to answer any questions and concerns.

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Terms & Requirements

All CountryWide DR customers must agree to and abide by the company’s terms of services and basic requirements. Most notably, customers must acknowledge actual results will vary and are based on many factors, including the individual’s ability to adhere to the program.

Debt Requirements

  • Must owe at least $10,000 in debt
  • Must be able to afford the greater of a minimum monthly payment of 1.5% of the total debt owed or $250.
  • Must live in an approved state.

Debt Repayment Terms

The APR can range from 5.99% and up to 35.89%.

Terms are 1-4 years.

Privacy & Security

CountryWide DR does not collect personally identifiable information unless it is voluntarily provided through an online form and/or other methods of communication. The company vows not to give or sell any personally identifiable information to outside third parties without the customer’s consent unless required to do so by law.

All reasonable precautions to protect personally identifiable information from loss, misuse, or alteration are assumed by CountryWide DR. At the time of writing, there are no media reports or complaints of any cyber breaches or hacks. As such, it is reasonable to assume at this time that personal information that is voluntarily provided is safe with CountryWide DR.

Customer Support

CountryWide DR has a dedicated toll-free phone and text line for support along with an e-mail. A separate toll-free number is made available to non-clients.

Final Thoughts

CountryWide DR offers consumers a free consultation with zero obligation. Consumers have an opportunity to discuss their options with a representative before proceeding with an application.

Since the initial consultation will mostly focus on the products and services that can be made available, there will be no impact on your credit score. As such, there is no downside risk to speaking with a representative before making your final decision on how to work towards your financial freedom.

Address

1504 Brookhollow Drive, Unit 117
Santa Ana, California 92705

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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 (though we may also review brands we are not engaged with). 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.
Jayson Derrick Jayson Derrick
Jayson Derrick has been writing about all topics related to investment and personal finance since 2013. Prior to that, he was in charge of a news desk for a prop trading firm.
This review is based on the writer's personal opinion.