Accredited Debt Relief Review 2026

Accredited Debt Relief is a financial services company founded in 2011 that helps individuals struggling with overwhelming debt by providing debt settlement and consolidation loan options.

As part of the debt settlement program, they negotiate with creditors on behalf of clients to reduce their outstanding debts, aiming to create manageable repayment plans.

Accredited Debt Relief At-a-Glance

• Minimum debt requirement of $5,000
• Unsecured debt is eligible; secured debt is not
• You must open a dedicated account and pay into it while the company works on debt settlement
• You must make the voluntary decision to stop paying your creditors, which could negatively affect your credit score
• The fee for the service ranges from 15% to 25% of the total debt amount and varies by state
• Provides options and evaluations in all 50 states and D.C.

Compare With Others

Regarding comparisons, it is essential to remember that Accredited Debt Relief evaluates for both debt relief and debt consolidation loan options.

If you enroll in their debt relief program, they will negotiate with your creditors to reduce the amount you owe and settle the accounts.

If you are looking for a debt consolidation loan that puts you in firm control of how you handle paying off your credit cards and other high-interest debt, there are several options to choose from including:

Happy Money

Happy Money is dedicated to debt consolidation loans; this is what they do. They offer between $5,000 and $40,000 in loans with terms of 24 to 60 months. There is an origination fee of up to 5% of the loan amount. Expect a soft credit check and the ability to handle your loan online. This is not available in Nevada or Massachusetts.

Upstart

Upstart might work for you if you have a low credit score. The lender offers loans of $1,000 to $50,000 with terms of 36 to 60 months. Some states have a minimum required loan amount, so those who need a smaller amount might not want to pursue this one. Those who do should expect an origination fee and quick funding.

SoFi

Are you in deep with high-interest credit cards? SoFi offers between $5,000 and $100,000 for debt consolidation, with terms of 36 to an expansive 72 months. You won’t face any origination fees, late fees, or prepayment penalties. However, you must have a solid credit history and income to qualify. This might not work well for those struggling with a high debt-to-income ratio.

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Finding the lender with the best personal loan to meet your needs is as simple as using our search tool. Compare personal loan rates and fees and find the best rates being offered right now.

Accredited Debt Relief Review Could Be Best For:

Accredited Debt Relief works well for those who have run into debt trouble, including those struggling with the high-interest rates of credit cards, personal loans, payday loans, medical bills, repossessions, and private student loans. Federally backed student loans are not eligible for this program.

Those with bad credit who can’t qualify for other options might find help with their debt through Accredited Debt Relief. This also works well for those who have trouble dealing with aggressive creditors or collection agencies, as someone at the company will contact them on your behalf. With options provided in all 50 states, consumers across the country can explore whether the service is available to them. Once the process starts, Accredited Debt Relief will handle the conversations with your creditors concerning the debts you have entrusted them to help you with.

Top Features of the Accredited Debt Relief Personal Loan

Accredited Debt Relief has helped 1.3+ million clients find a way out of debt. Here’s what you need to know.

Proven Services

Accredited Debt Relief has helped 1.3+ million clients and has a good rating on the Better Business Bureau. They also have top-notch reviews on places like TrustPilot where they maintain a 4.8-star rating based on 10,000 reviews as well as Google where they also maintain a 4.8-star rating based on 13,000 reviews.

The company says they have helped over 1.3 million people and resolved more than $15 billion in debt. Most are free of their debt in 24-48 months.

Helpful for Unsecured Debt

The company accepts only unsecured debt. Debt secured with any collateral, from a home equity loan to a payday loan secured with a vehicle, is not eligible for this particular service. That might be because there is little negotiating power with a company with collateral for a loan; they take your property to settle the debt.

Takes Away Creditor Stress

Once you begin missing payments or dealing with other issues related to non-payment of your high-interest debts, creditors start calling, and they can be relentless, especially if they farm the contract out to a third-party debt collection agency.

Accredited Debt Relief takes care of that problem by talking to the creditors for you and establishing (in most cases) a much lower settlement agreement than something you could find on your own.

Savings Account

Accredited Debt Relief works differently than a conventional personal loan to cover high-interest credit cards or other unsecured debt. Instead, it targets the reduction of your outstanding balance. Once you make the voluntary decision to stop payments to your creditors, the company asks you to contribute to a dedicated account.

The money in this savings account builds up and is later used to pay your creditors and any fees you incur. Keep in mind that this money is yours until it goes to pay creditors or fees.

Financial Wellness Sessions Available

All customers of Accredited Debt Relief get to participate in weekly financial wellness sessions free of charge. The Knowledge Hub offers various articles to help consumers understand debt, how settlement works, and so much more.

The Accredited Debt Relief Guarantee

Accredited Debt Relief backs its program with a formal client guarantee.

The guarantee covers five commitments: the company works exclusively for its clients and accepts no compensation from creditors; clients who complete the program resolve their enrolled debts for less than they owe, or following a graduation review, Accredited Debt Relief refunds the difference from its program fees; no fees are charged until a settlement has been successfully negotiated and the client has approved and begun payments toward it; clients have 24/7 real-time access to their account, deposit history, and resolution progress through the mobile app and dashboard; and all support is provided by trained, U.S.-based specialists available 365 days a year.

How to Get Started

Accredited Debt Relief works differently than other personal loan or debt consolidation companies.

You get started with a free phone consultation. You will discuss your debt, financial situation, and a plan to get out from under the bills and high interest rates. You will then open a dedicated account and add money to it every month rather than paying your creditors directly.

In the meantime, Accredited Debt Relief begins working with your creditors to negotiate a settlement. They then decide which accounts to settle first, given how much money is in your dedicated savings account. The creditor approves a settlement amount. You give your okay, the account is paid at the agreed amount, and then it is considered “resolved.”

Programs typically take 24 to 48 months to complete.

How Does Debt Relief Affect Your Credit Score?

The honest answer is probably different from what you want to hear. Even though you are paying down your debt, your credit score will take a severe hit when you stop paying your creditors.

Even after they are paid off, you might still have a low score for a while, as the debts will be listed as “settled” and not “paid in full.”

Rating the Features

It’s important to remember that while many companies offer personal loans to help consolidate and pay off high-interest credit card debt, Accredited Debt Relief is not offering loans. Instead, they provide a competitive program that helps individuals pay off their high-interest loans through negotiations with creditors that can achieve a favorable settlement offer.

Here’s what you need to know about the various features of the programs Accredited Debt Relief offers.

Fees

You pay a fee based on the amount of debt enrolled, which could be between 15% and 25% of the total debt amount. These fees may vary widely depending on your state.

Remember that this fee is based on the amount of debt you enroll in the program, not the savings you might achieve when you pay off the debt.

Variety

Customers can choose the term that makes them most comfortable paying off the debt and which debts they enroll in. You don’t have to enroll all of your credit cards or loans in the program though it is generally recommended to enroll all eligible debts so you are not left to juggle payments. What matters is that you include at least $5,000 in credit card debt.

Customer Support

Weekly financial wellness sessions are available to customers throughout the debt relief process. In addition, you have access to customer service from 5 AM to 10 PM Pacific Time, Monday through Friday, and 5 AM to 7 PM Pacific Time on weekends. You can also reach out via email. The company also highlights best-in-class customer service as part of its offering.

Access

Accredited Debt Relief currently serves 50 states. Your account can be managed through the mobile app. Getting the account opened doesn’t rely on any particular minimum credit score.

Frequently Asked Questions