Accredited Review
Visit site

Accredited Reviews

Lauren Le-Hair


Lauren Le-Hair

ideal for people with a low credit score
ideal for people with a low credit score
About Accredited

Accredited Debt Relief has made incredible progress since its establishment in 2011. The company, based out of San Diego, California, has helped over 200,000 customers address over $1 billion of debt. Accredited Debt Relief works to help people reduce their debt payments with a debt settlement. The goal is to get customers out of debt within 12-48 months.

Since launching, Accredited Debt Relief has obtained an A+ rating with the Better Business Bureau and has established itself as a trustworthy partner for people addressing their debt problems. While debt relief may not be the best path for those with a good credit score, it can provide an invaluable service to help manage mounting debt challenges for others.









Accredited Debt Relief Review

Accredited Debt Relief provides a service for those struggling to cope with their levels of debt who cannot make regular repayments. Instead of borrowing more money to cover the debt, Accredited Debt Relief will negotiate on your behalf with each of your creditors to reduce your amounts payable.

Accredited Debt Relief balances paid to creditors are, on average, 55% of the total balance outstanding. Accredited Debt Relief will charge 15%-25% of the total debt outstanding once the debt has been settled. The downside is that using Accredited Debt Relief will have a negative impact on your credit score.

Accredited Debt Relief Highlights


min $10,000


1-4 years













Pros & Cons

  • Free debt consultation
  • Personal debt relief expert assigned to your case
  • Established debt relief experts with existing relationships with major creditors
  • No upfront fees and payment is only on debt relief settlement
  • You are only eligible if you have more than $10,000 in debt
  • Using debt relief services will negatively affect your credit score
  • Fees payable to Accredited Debt Relief can be as high as 25% of total debt
  • Only available in 32 states

Debt Consolidation Types

  • Debt relief consultation service

Accredited Debt Relief Terms & Requirements

You’ll need to meet a handful of requirements to be considered for Accredited Debt Relief.

  • Must have over $10,000 in debt
  • Debt must be unsecured. Accredited Debt Relief will not negotiate mortgages, federal loans, and others that are secured
  • Must be able to prove a steady level of income
  • Must live in an approved state.
  • Must have the intention of paying off loans within four years

We believe that Accredited Debt Relief offers one of the best debt relief programs available. As long as you don’t have a good credit rating, it is worth considering using Accredited Debt Relief to reduce your amount of debt payable.

How to Apply

You can apply to Accredited Debt Relief by calling the company directly or via the website. We chose to go through the website to get a free estimate of what Accredited Debt Relief could do for us. Accredited Debt Relief’s website is fantastic, with many educational pieces about debt relief, a helpful FAQ section, and a user-friendly layout. We selected the “Get Started – It’s Free” button to see what the company could offer.

Screen 1

selecting your debt amount

After selecting our debt amount, we were taken to a simple screen stating that we could obtain a free quote in 30 seconds after completing some basic personal information.

Once we completed this form, we were informed that a debt relief expert would be in touch with us to discuss our case in more detail. We were called an hour later and had a beneficial phone call. During this, we had to give personal details, including housing position and income. We also had to provide specific details of all debt positions.

After giving this information to the debt relief expert, Accredited Debt Relief ran a soft credit check to evaluate the options open to us. The process was easy, and the debt relief expert was very knowledgeable and helpful. Yet, it’s vital to note that it is a process that needs human interaction and cannot be done online.

Qualification Requirements

  • Must have at least $10,000 in debt
  • Be a resident of an approved state
  • Must have a stable, provable income
  • Debt must be unsecured

Required Information

Accredited Debt Relief needs several items of information to determine whether they can help with your debt position. You will need to provide the following:

  • 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

The process of engaging with Accredited Debt Relief was swift. After completing an online form which took under a minute, we were called back by a debt relief expert an hour later.

If Accredited Debt Relief decides that it can help you, the process of negotiating with creditors can take some time. It usually takes months for the debt relief experts to reach a deal with your creditors, with the first settlement taking 6 months on average. During this time, you must ensure that you are saving monthly amounts for when the debt settlement occurs.

State Availability

Available - Alabama, Alaska, Arizona, Arkansas, California, Colorado, Florida, Idaho, Indiana, Iowa, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, Oklahoma, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin.

Not Available - Connecticut, Delaware, Georgia, Hawaii, Illinois, Kansas, Maine, Minnesota, New Jersey, North Dakota, Ohio, Oregon, Rhode Island, South Carolina, Vermont, Washington, West Virginia, Wyoming.

Privacy & Security

Accredited DR is an affiliate of Beyond Finance Inc. and acts on behalf of Beyond Finance. Therefore, the information shared with Accredited DR is also shared with Beyond Finance. The company may use any information you provide to Accredited DR to help negotiate with the creditors and communicate with the debtor.

Accredited DR 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 DR 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 debtors’ data safe.

Customer Support

You can reach the efficient Accredited Debt Relief customer service via phone, email, or social media channels. We called the support team at (877) 201-2548 to discuss our options regarding the debt levels that we were facing. The customer service agent was sympathetic and knowledgeable, explaining the process to us clearly. They arranged a follow-up call with a debt relief expert later that day.

Accredited Debt Relief also has a fantastic educational website with lots of information on debt relief and debt settlement. You can find full details of how you can contact Accredited Debt Relief in the table below.

Phone Support
(877) 201-2548
Mon - Fri
5 am - 9 pm
Sat - Sun
5 am - 4 pm

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 debt exposure 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.


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.

Accredited Disclaimer

Accredited Debt Relief is a DBA of Beyond Finance LLC. Our clients who make all monthly program deposits pay approximately 55% of their enrolled amount upon successful program completion before fees. Fees are based on percentages ranging from 15%-25% of your enrolled amount. Programs range from 12-48 months. On average, clients must save approximately 40%-50% of each enrolled account before making a bona fide settlement offer.

On average, clients receive their first settlement within 4-6 months of enrolment and approximately every 3-6 months thereafter from when the prior account was settled. Not all Clients complete the program. Estimates are based on previous results and may not match your results. We cannot guarantee that your enrolled accounts will be resolved for a specific amount or percentage or within a particular timeframe. We do not assume your obligations to your creditors, make monthly payments, or provide tax, bankruptcy, accounting, legal advice, or credit repair services.

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. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding obligations may increase from the accrual of fees and interest. Clients may withdraw from the program at any time without penalty and receive all funds from their dedicated account, other than funds earned by the company or fees paid to third-party service providers, as may be applicable.

Read and understand all program materials before enrolling. Certain creditors and types of debts are not eligible for enrolment. CPD. Reg. No. – 21-04861. Accredited Debt Relief makes no guarantees regarding performance (e.g., that debts will be lowered by a specific amount or percentage or that a client will be debt-free within a specific period of time).


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.


Lauren Le-Hair

As an experienced content writer, Lauren’s passion for the finance sector is only exceeded by her love of writing. Lauren specializes in the financial industry, drawing on her knowledge and experience to deliver top-quality, specialized content with an expert tone of voice and a unique flair. She also holds a First Class (Hons) Batchelor’s degree from Staffordshire University.