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Pros / This company is certified to offer services in 32 states.

Cons / Averages saving when using Accredited Debt Relief are about average.

 Verdict / Accredited Debt Relief offers service in the highest number of states and provides the most comprehensive service plan by offering multiple types of debt relief services. This makes it a good option if you need financial help beyond debt consolidation.

Editor's Note: Accredited has made some changes to their programs. The minimum debt amount required is $1,000 and the fees for debt reduction now range from 15-25%.

Accredited Debt Relief takes a comprehensive approach to debt management. It provides a thorough overview of different debt relief options, including debt consolidation loans and bankruptcy, and provides numerous resources you can utilize to create a budget and learn best money-managing practices. Because of its thorough approach to debt consolidation and education, Accredited Debt Relief receives our Top Ten Reviews Bronze Award.

Accredited Debt Relief offers debt consolidation, debt settlement and debt management services. This means that when you choose Accredited, you can select the option that fits your financial situation and timeline. The certified debt specialists go over your finances with you and help you decide which debt solution is best for you.

Accredited Debt Relief Visit Site
  • Customer Service
  • Resources
  1. We calculated this score based on our experience contacting customer service.
    Higher is Better
  2. 4  Accredited Debt Relief
    80.0 %
  3. 85.0 %
  4. 90.0 %
  5. 80.0 %
  6. Category Average
    81.5 %

Cost & Fees

Once you enroll in a debt consolidation program with Accredited, you begin putting funds into a separate account. It is important to note that you own the account and the money in it. You always have access to these funds and can withdraw them at any time without penalty.

The quicker you build up this account, the quicker you can pay off your debts. After Accredited has negotiated with your creditors, the money in this account will go to paying off your debts and Accredited's service fees. This company's fees are about average, and its average reduction after fees is around 25 percent savings, lower than New Era and Pacific Debt.

The length of your program depends on your financial situation and your ability to set aside funds in your savings account. Though, on average, these programs take around 24 to 48 months to complete. Accredited Debt Relief does not charge upfront fees or advanced fees, meaning you pay nothing unless your debts are successfully negotiated.

Eligibility & Application

You can enroll business and personal debts in Accredited's consolidation service, including unsecured loans and lines of credit and medical bills. Other debts, like student loans and payday loans, might not be eligible for consolidation.

This service covers 32 states, the most of any service on our lineup. There is a minimum debt requirement of $7,500. Though keep in mind that these minimum amounts vary based on which state you live in and the debt you enroll.

Customer Experience

You can find answers about different debt relief options, like counseling and bankruptcy, on the company website. The site also explains the impact debt consolidation will have on your credit. This information teaches you about managing your finances, but the site is missing other resources, like worksheets and budgeting calculators.

When you begin the program, you work directly with a personal account advisor. This advisor is your main contact during your program and keeps you updated to Accredited's progress in your debt program. While the advisor will be your main point of contact, you can also check your own accounts through the online portal and mobile platform.

Company Accreditations

Accredited has accreditations from both the IAPDA and AFCC. The AFCC surveys companies to ensure they are upholding FTC regulations and not endorsing unethical practices. The IAPDA provides training and certifications for personal debt arbitrators. These trainings give advisors the best tools for negotiating your debts within the FTC regulations.


This company operates in 32 states and has a minimum required debt of $7,500. While the average time for completing a program is between 24 and 48 months, this will depend on your debt and dedication to accumulating funds. Accredited is a good choice for consolidating your debts into a more manageable payment.

Accredited Debt Relief Visit Site

Specifications and Benchmarks

Company Accreditations


Cost & Fees

Program Time Frame
24-48 Months
Average Reduction After Fees
Fee for Debt Reduced
Average Fees for $10,000 of Debt
$1,800- 2,500
Debt Calculated
No Monthly Fee

Programs Offered

Debt Settlement
Debt Management
Debt Consolidation

Customer Experience

Customer Service
Personal Advisor
Online Management
Mobile Management

Eligibility & Application

Minimum Required Debt
Personal Debts
Business Debts