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Accredited Debt Relief Reviews: Are the 4000+ Evaluations Legitimate?

Written by Ascend Team
Updated Dec 20th, 2022
Did you see an Accredited Debt Relief ad on a social media platform similar to the one below? What is the debt consolidation that the company mentions? Why is the rate Accredited Debt Relief offering for debt consolidation potentially so much lower than what you're currently paying?

Is Accredited Debt Relief legitimate or is it too good to be true?

Picture shows an Ad for Accredited Debt Relief

In this article, we will focus on what debt consolidation actually is, the cost, the BBB, TrustPilot, and Google reviews and the alternatives to help you make the most informed decision to get out of your debt.

What is Accredited Debt Relief?

Accredited Debt Relief is a registered DBA of Beyond Finance, and provide a service also known as debt settlement. While Accredited Debt Relief mentions debt consolidation in its ads, it's important to understand that a debt consolidation program (such as Beyond Finance) is much different than a debt consolidation loan. For an individual to use this option, then he/she has to cease debt repayments and save up some funds into a designated account. When the money saved is significant enough, in comparison to what’s owed, then the company now taking steps to guarantee debt is settled for an amount lower than what’s owed. 

I was the previous CEO of a debt settlement company, and I know that debt settlement can negatively affect your credit. And, in debt settlement, you have to pay back some of the debt.

Debt settlement may be a great option for you, but it’s helpful to understand each of your options.

As such, if you are struggling with debt and wondering what to do next, we built a free, unbiased debt options comparison calculator (not even an email address is required) that provides a wide range of debt options that may be able to fit your budget. The data is personalized to your income and expenses, so you can get accurate costs, pros and cons, and options. Debt settlement may be a great option for you, but it’s helpful to understand each of your options.

How Much Does Accredited Debt Relief Cost?

At Ascend, we believe that debt settlement may be a good option, but it’s only in the context of understanding all of your options and understanding the cost of that option. This is exactly why we built a free debt relief cost comparison calculator so that you are MOST informed.

So, how much does Accredited Debt Relief Cost?

The Accredited Debt Relief reviewer mentioned a 27% fee in the review below.

Fees required to pay to vary with the uniqueness of the debt and creditors involved. However, you may have to pay a 25% enrollment fee for your enrolled debt. Please note that 25-27% of enrolled debt is quite high. Accredited Debt Relief gives debtors the freedom to either make an upfront payment or not. Additionally, you’ll need to pay another fee when the company successfully negotiates a debt. 

Many companies charge between 15-25% of enrolled debt, but that range is huge, so I dug a bit deeper into Accredited Debt Relief’s cost. I found one TrustPilot review that mentioned at 27% fee. Please note that the calculator above can estimate the debt settlement fees for a provider that may charge in the 15-18% range, potentially slightly higher.
Here’s a link to the review.
Picture shows a review of Accredited mentioning a 27% fee.

Accredited Debt Relief Reviews

Providing a clear-cut review of a debt relief organization is quite tricky. This is because, on multiple occasions, users judge debt settlement organizations for not having the capacity to solve matters outside their purview. 

However, we plan to make this a reality by averaging the reviews and ratings gotten by the organization–this probably is the most balanced approach possible. 
Below are some reviews about the company from some noteworthy platforms:


The debt relief company has a total of 3,989 reviews on Trustpilot. These reviews have earned it an average rating of 4.8–a rating that shows the company’s efficacy. Consumers hailed the knowledge of the company’s professionals, and how they encourage debtors. 

Another reviewer that has benefited from them says that the company has significantly reduced a significant amount of money. However, it also has some bad reviews on this platform. One such is from a particular Tim based in California. He felt that the settlement company gives out a loan to settle a debt. Tim believes that Accredited Debt Relief should be clearer about its offerings. 

Consumer Affairs 

Accredited Debt Relief has an average rating score of 4.9. This is out of 36 reviews it has reviewed from verified buyers on Consumer Affairs. One of its five-star reviews is featured on the company’s website. On this, the reviewer said he’s just like most Americans that is neck-deep in debt and couldn’t make payments. As such he searched for debt consolidation and couldn’t get any. However, on approaching Accredited Debt Relief, the company’s representative expressed hope. 

What most recruiters commended about the company is its customer relationship. They say their representatives made them feel at home. The company’s representatives explain the nitty-gritty of the process. They also do their best to convince consumers about how they fit into the process. 


Accredited Debt Relief has an overall rating of 4.73 on BBB. At the same time, it has gotten a total of 249 customer reviews which they’re mostly great. Just like on Consumer Affairs, most good reviews it got on BBB are on the premise that its representatives are courteous. 

The representatives of the company seem to always explain how the company resolves debts. Consumers here also explain that the details of its agreement are easy to understand. This is so, even when there’s a lack of a legal representative. 

Google Reviews

Accredited Debt Relief has a 4.8 based on 366 Google reviews. Many of the positive reviews provide specific experiences that the client had with individual people he/she spoke with. One 5 star reviewer stated that she can finally breathe and see the light at the end of the tunnel.

Accredited Debt Relief Google 5 Star Review Example

One 1 star reviewer questioned the marketing tactics that Accredited Debt Relief used, stating that the company charges you even for failed settlement. He went on to say that Accredited Debt Relief never informed him about the situation where he could not continuing paying a settlement and that settlement would break. He also mentioned that he was sued by a creditors.

Accredited Debt Relief Google 1 Star Review Example

Let's look at the pros and cons of Accredited Debt Relief, and debt settlement in general.

Accredited Debt Relief Pros and Cons

Ruminating the possibility of applying for one of the company’s numerous debt settlement plans? If yes, then you should first know its advantages and disadvantages before taking the important step. 

Here is a list of the pros: 


Let’s discuss some good aspects of applying for an Accredited Debt Relief service. Here are the pros of accredited debt relief: 
  • Accredited debt relief has an ever available customer service 
  • Reviews from multiple sources suggest that agents are courteous and well-mannered in their approach. 
  • Users have a personalized view of the actions that occur on the platform
Let’s discuss further each point highlighted: 

1. Accredited Debt Relief has dedicated channels for inquiries

The organization’s service users have direct access to them. And what’s more? Customer representatives are available every day. On weekdays, the company can make inquiries and complaints within the hours of 5.00 in the morning to 9.00 PM Pacific Standard Time. 

Weekend communication with the company’s representatives is more restricted. This is as customer representatives can only be reached between 5.00 AM and 4.00 PM. Debtors with a desire to use the Accredited Debt Relief’s service may hold discussions with a representative here. Or 877-648-3188 for inquiry on the company’s offerings.

Alternatively, you may contact the organization by sending them an electronic mail at

2. Company Representatives address Customer’s Pain Points

Accredited Debt Relief has maintained a record of excellence in serving its customers well. And going by the multiple reviews above, it’s logical to know why this holds true. The company’s representatives are mostly hailed for taking the time to explain complex settlement deals. They’re also great at helping debtors find the most ideal custom plan. 

3. Users can manage their accounts from mobile or tablet 

Every consumer, upon enrollment, is given access to regularly view the status of negotiations from the client’s dashboard. One such helpful feature here is the ability to track debt progress. 


As with any other debt settlement company, Accredited Debt Relief is not without some disadvantages. Knowing these demerits can help you understand mistakes to avoid. Below are cons synonymous with accredited debt relief: 
  • It lowers the debtor’s credit score 
  • It is not open to debtors in all states
Let’s elucidate further these disadvantages 

1. It lowers the debtor’s credit score 

To use the company’s services, then you’ll have to stop making debt payments, and instead save money in an account stipulated by Accredited Debt Relief. While doing this, your credit score will be impacted as you’ve stopped meeting your financial obligation to creditors. This, more often than not, lowers credit scores. 

2. Debtors in certain states can’t use the service 

Accredited Debt Relief is not available for operation in certain states. This is largely due to the restrictive laws limiting the activities of debt settlement companies in those states. 

3. Debt Limit

Debtors indebted on an amount that’s less than $10,000 can’t access this service. 

4. There’s No Guarantee of a Successful Discharge 

Even if Accredited Debt Relief helps you negotiate for a debt sum reduction, there’s no guarantee that you’ll get it. The possibility of this worries most debtors, and this is rightly so, considering the fact that the FICO score of the debtors involved may be reduced, and what’s owed still remains the same. This is one of the most significant drawbacks of applying for any debt relief program. 

Should You Sign Up for Accredited Debt Relief?

Two of the biggest things I consider are cost and reviews/ratings. If Accredited Debt Relief is charging 27% of enrolled debt, you may be able to find the same (potentially better) service for a lower cost. Use the free debt relief cost and options calculator below though to compare options. It’s 100% free, and not even an email address is required.