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Accredited Reviews


bestfor-icon Ideal for People with A Low Credit Score

Written by Lauren Le-Hair

About Accredited | Read More


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  • customerservice@acrelief.com
  • (877) 201-2548
  • Headquarters: 952 Towne Centre Drive, Suite 100, San Diego, CA 92121
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Accredited Debt Relief Review

Accredited Debt Relief offers a simple and transparent way to get out of debt.

Accredited Debt Relief creates a path to success for people who are overwhelmed by unsecured debts like credit cards and personal loans. Accredited Debt Relief will customize a debt consolidation plan and work to get you closer to financial freedom. 

Accredited Debt Relief helps clients save money and break the cycle of minimum payments for a faster way out of debt. 

Clients are advised that the program will have a negative impact on their credit score. This impact is temporary, and credit scores usually start recovering as accounts are paid off.

Accredited Debt Relief Highlight


Minimum Debt Amount

Min $10K

Loan Amount

24-48 months

Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

Pros & Cons

  • con-icon Free debt consultation
  • con-icon Consolidation Specialists assigned to your program
  • con-icon Established debt consolidation experts
  • con-icon No credit score minimum
  • con-icon No upfront fees; fees are success based
  • con-icon Best for people with $20,000+ in unsecured debt
  • con-icon Using debt consolidation services can negatively affect your credit score

Debt Relief Product Types

  • Debt relief consultation service

Accredited Debt Relief Terms & Requirements

In order to qualify for a program with Accredited Debt Relief clients:

  • Must have $10,000 or more in debt
  • Debt must be unsecured. Accredited Debt Relief are unable to help with  mortgages, federal loans, and other debts that are secured
  • Must be able to prove a steady level of income
  • Must live in an approved state

How to Apply

Before working with Accredited Debt Relief, all clients must complete an enrollment process that begins with a free consultation call. You can initiate the consultation in two ways:

  • Call the company directly at 800-497-1965
  • Fill out a form on their website 

Consultation Form

I chose to go through the website and click “How Much Can I Save” to complete a consultation form and set up a call to receive a savings estimate and detailed information about my financial relief options. At the moment, a consultation call is required, and a fully digital experience is not available. 

After selecting my debt amount, I was taken to a screen stating that I could obtain a free quote in 30 seconds after adding some basic personal information.

Once I completed this form, I was informed that a debt consolidation expert would be in touch with me to discuss my case in more detail over the phone.

Consultation Call 

I received a call within an hour, which began with some questions about personal details (clients who call directly and do not fill out the online form may be asked for more information at the start of the call.) 

Then, Accredited Debt Relief ran a soft credit pull to evaluate all the options available to me. If you decide to move forward with enrollment, they will send you an email and advise you of the next steps required to finalize your application. Overall, the process was easy, and the debt consolidation expert was very knowledgeable. 

Required Information

Before enrolling with Accredited Debt Relief, make sure you have access to and can provide the following information:

  • Name
  • Address
  • Date of birth
  • Social Security Number
  • Phone number
  • Email address
  • Monthly Income details and proof of income (e.g., pay stub, W-2 form)
  • Bank statements
  • Employment history
  • Details of your current housing situation
  • Full details of all loans
  • Creditor statements

Application Steps & Time Frames

Accredited Debt Relief’s enrollment process is fast and efficient. After completing an online form which took under a minute, I was called back by a debt  consolidation expert within an hour.

Although enrollment happens quickly, the program timeline requires some patience. There is a waiting period after enrollment which is required before you see results. Rest assured, this waiting period serves a purpose.

State Availability

Available - Alaska, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Louisiana, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, Wyoming

Not Available - Alabama, Arizona, Delaware, Hawaii, Iowa, Kentucky, Maine, Maryland, New Hampshire, North Dakota, Oregon, Pennsylvania, Rhode Island, Vermont, Washington

Written by Lauren Le-Hair linkedin-icon

As an experienced content writer, Lauren's passion for the finance sector is only exceeded by her love of writing. With years of experience writing for financial websites, she has honed her expertise and developed a deep understanding of the industry. Lauren specializes in delivering top-quality, specialized content with an expert tone of voice and a unique flair, leveraging her extensive knowledge and expertise. In addition, she holds a First Class Bachelor's degree from Staffordshire University.



Will using Accredited Debt Relief affect my credit score?

Yes, because Accredited Debt Relief will ask you to stop making payments while the company tries to get you a settlement. When you stop making these payments, your credit score will be affected.

How much will I save using Accredited Debt Relief?

Accredited Debt Relief state that customers pay, on average, 55% of their outstanding debt. Yet, this does not include the fees payable to Accredited Debt Relief, which range from 15%-25% of the total debt.

When will my debts be paid off in full?

If you make all of your scheduled repayments, Accredited Debt Relief customers average 2-4 years until they are clear of debt.

Customer Support

You can reach Accredited Debt Relief customer service via phone, email, or social media channels. 

Accredited Debt Relief’s website is easy to navigate and includes educational resources on debt help, and additional information about the program and company. 

Privacy & Security

Accredited Debt Relief is an affiliate of Beyond Finance Inc. and acts on behalf of Beyond Finance. Therefore, the information shared with Accredited Debt Relief is also shared with Beyond Finance. The company may use any information you provide to Accredited Debt Relief.

Accredited Debt Relief has several websites and companies with which it shares the information received. You can opt out of third-party information sharing by contacting them via email. Accredited Debt Relief has not yet had any reports of data leaks or breaches as of this review. As such, the company has a stellar reputation for keeping its clients’ data safe.

In Conclusion

If you have a poor credit rating and mounting pressures due to debt greater than $10,000, Accredited Debt Relief is worth considering. Its experts can help to reduce your monthly payments and work with you to plan a debt schedule to be debt free in under four years. Accredited Debt Relief’s A+ BBB rating and excellent reputation speak volumes in an industry where many do not have their customer’s best interests at heart.

Brand Disclaimer

Accredited Debt Relief is a DBA of Beyond Finance, LLC.. There are success-based fees collected during this program that will be reviewed upon enrollment. Programs range from 12-48 months.

Not all Clients complete the program. The program is not available in all states; fees may vary by state. The use of debt consolidation services will likely adversely affect your credit. Certain creditors and types of debts are not eligible for enrollment. C.P.D. Reg. No. – 21-04861.

Consolidation loan options offered by our affiliates range from $1,000 to $100,000, have Annual Percentage Rates that range from 4.9% to 35.99%, origination fees ranging from 1% to 6% of the amount financed, and loan terms from 4 to 84 months. A typical personal loan example has a loan amount of $23,760, a 4.95% origination fee, a 48-month repayment term, and an interest rate of 18.00%. You would receive $22,584 ($23,760 less the $1,176 origination fee – a prepaid finance charge), and the monthly payment would be $697.95, equating to an APR of 20.89%. The total interest would be $9,741.60, and the total cost of the loan (interest plus origination fee of $1,176) would be $10,917.72. In this example, the total payments made would equal $33,501.60. Only the most creditworthy borrowers receive the highest loan amounts at the lowest rates.

We do not discriminate on the basis of race, color, religion, sex, marital status, national origin, or ancestry.

Testimonials reflect the individuals’ opinions and may not be illustrative of all individual experiences.