Accredited Debt Relief
Accredited Debt Relief is a US-based debt relief and consolidation company that negotiates with creditors on behalf of individual consumers with $5,000+ in unsecured debt, offering 24-48 month programs, consolidation loans, and the industry's first dedicated mobile app. Operating as a DBA of Beyond Finance, LLC, it has served over 1.3 million clients since 2011.
- Company typePrivate
- Founded2011
- HeadquartersHouston, United States
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What Accredited Debt Relief does
Accredited Debt Relief, operating as a DBA of Beyond Finance, LLC, is a US-based debt relief and consolidation services company founded in 2011 and headquartered in Houston, Texas. The company negotiates with creditors on behalf of individual consumers holding $5,000+ in unsecured debt, including credit cards, personal loans, and medical bills, with a stated goal of reducing eligible monthly payments by 40%+ and achieving debt resolution within 24-48 months. Clients are enrolled through a free consultation process conducted by IAPDA-certified specialists via phone (800-497-1965), online self-service, or affiliate and wholesale partner channels, and progress is tracked through the company's client dashboard and the debt relief industry's first dedicated mobile app. Beyond Finance/Accredited Debt Relief also facilitates affiliate-originated consolidation loans ranging from $1,000 to $100,000.
The business model is success-based, with program fees of 15-25% of the enrolled balance collected only upon successful settlement (no upfront fees), supplemented by origination fees from affiliate-issued consolidation loans. Since founding, the company reports having helped over 1.3 million clients resolve more than $15 billion in unsecured debt, with current staffing of 2,200+ US-based employees across Houston, Chicago, and San Diego offices. The company maintains industry accreditation through the ACDR, IAPDA-certified specialists, A+ BBB accreditation, and has received multiple customer service awards including consecutive Gold Stevie Awards (2025, 2026), Newsweek's America's Best Online Platforms 2025 (#12), and Best for Customer Satisfaction recognition from CBS News MoneyWatch and Bankrate (2026). The 2026 launch of the Debt Reset Day initiative and partnerships with Certified Financial Therapists reflect an emerging extension from transactional settlement toward a broader financial wellness ecosystem.
Accredited Debt Relief firmographics
Firmographics- Name
- Accredited Debt Relief
- Legal name
- Accredited Debt Relief, LLC
- Website
- https://accrediteddebtrelief.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Accredited Debt Relief is a US-based debt relief and consolidation company that negotiates with creditors on behalf of individual consumers with $5,000+ in unsecured debt, offering 24-48 month programs, consolidation loans, and the industry's first dedicated mobile app. Operating as a DBA of Beyond Finance, LLC, it has served over 1.3 million clients since 2011.
- Ownership category
- akta.pro rank
Accredited Debt Relief industry classification
Industry- Product category
- Consumer Debt Relief Services
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Debt Settlement & Negotiation Services (FSAEAFAC)
- akta.pro secondary industry
- Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD)
Keywords
Where Accredited Debt Relief is headquartered
LocationHeadquarters
- HQ city
- Houston
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Accredited Debt Relief business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure
Revenue model
- Debt Relief Program Fees: Success-based fees calculated as a percentage of enrolled balance. Fees range from 15% to 25% based on debt amount and state. No upfront fees are charged; the company earns fees only when achieving successful debt resolution results for clients.
- Consolidation Loan Origination: Referral or origination fees from consolidation loan products offered through affiliates. Loan amounts range from $1,000 to $100,000 with APRs from 4.9% to 35.99%. Origination fees range from 1% to 6% of the amount financed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Outcome Based/ Performance | Monthly | Debt Relief Program with fees ranging 15%-25% of enrolled balance |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
Accredited Debt Relief product offering
Product offeringCore offering
Accredited Debt Relief is a US debt relief and consolidation company that negotiates with creditors on behalf of consumers to reduce eligible unsecured debts such as credit cards, personal loans, and medical bills. It also refers consumers to affiliate-provided debt consolidation loans, typically aiming for 40%+ reductions in monthly payments and debt resolution within 24-48 months. The company serves individuals across all 50 states through IAPDA-certified debt specialists, supported by a dedicated mobile app and client dashboard.
Product overview
Accredited Debt Relief operates as a debt relief and consolidation company offering two primary pathways: a debt relief program that negotiates with creditors to reduce outstanding balances and monthly payments (targeting 40%+ reduction), and debt consolidation loans offered through affiliates ($1,000-$100,000 range). The company distinguishes itself through proprietary client-facing technology including the debt relief industry's first dedicated mobile app and an online client dashboard, complemented by free financial literacy resources through its Top Dollar Blog and Knowledge Hub. Programs are designed to achieve debt freedom within 24-48 months for clients with $5,000+ in unsecured debt across all 50 states.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Clients typically reduce eligible monthly payments by 40% or more
- +6 more outcomes
Companies that use Accredited Debt Relief
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles2 records
Accredited Debt Relief technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Accredited Debt Relief partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Beyond Finance, LLCcoreParent company and DBA entity. Accredited Debt Relief is a d/b/a of Beyond Finance, LLC, a financial services company providing debt consolidation services. Beyond Finance operates the brand and provides corporate infrastructure.
- Association for Consumer Debt Relief (ACDR)coreIndustry association for debt relief companies. Accredited Debt Relief is an accredited member of ACDR (formerly American Fair Credit Council), which establishes ethical standards for the debt relief industry and holds members accountable to those standards.
- International Association of Professional Debt Arbitrators (IAPDA)coreNon-profit organization that educates consumers and the industry on debt relief options. All Accredited Debt Relief consolidation specialists are IAPDA certified, ensuring trained and certified staff.
- Association for Financial Counseling & Planning Education (AFCPE)minorProfessional organization for financial counselors. Accredited Debt Relief staff benefit from guidance by AFCPE-trained trainers for ongoing professional development.
- Affiliate Partners (Various)coreAffiliate partners earn commissions for sending qualified leads. Partners connect via API or send traffic to the company website. Company specialists handle conversion and servicing.
- Wholesale Partners (Various)coreWholesale partners directly enroll consumers into debt consolidation options. Partners receive CRM access, team training, and ongoing optimization support from the company's analysis team.
- Certified Financial TherapistsminorFinancial therapy providers offering group financial therapy sessions to clients as part of the company's financial wellness support services.
Scale indicators10 records
Recent moves6 records
Expansion highlights5 records
Accredited Debt Relief competitors and assessment
Company assessmentDirect peers
- Pacific Debt Relief: Direct competitor providing consumer debt settlement and consolidation services nationwide, frequently appearing in third-party listicles such as Investopedia and Bankrate rankings alongside Accredited Debt Relief.
- New Era Debt Solutions: Mid-sized debt settlement firm offering creditor negotiation for credit cards, personal loans, and medical debt, using the same success-based fee model and inside-sales GTM motion accredited debt relief employs.
- CuraDebt: Debt relief company serving a similar clientele with comparable debt settlement and consolidation offerings, also operating across the U.S. National footprint and competing for the same online and affiliate-driven lead pools.
- Freedom Debt Relief: Direct competitor in the consumer debt settlement space, operating across all 50 states with similar fee models, creditor negotiation services, and digital marketing channels. Frequently cited alongside Accredited Debt Relief in head-to-head comparison research.
- Beyond Finance: Parent legal entity of Accredited Debt Relief (DBA of Beyond Finance, LLC) and an overlapping debt consolidation brand with shared infrastructure, sales, and creditor negotiation operations.
- National Debt Relief: One of the largest U.S. debt settlement companies, offering virtually identical services -- unsecured debt negotiation, consolidation loan referrals, and inside-sales enrollment -- serving the same $5,000+ unsecured debt consumer segment with a success-based fee structure.
Broad incumbents
- SoFi: Large online personal loan originator whose debt consolidation loan product overlaps with ADR's affiliate-referred consolidation loans ($1,000-$100,000) for creditworthy consumers seeking to refinance unsecured debt rather than settle.
- LendingClub: Established online marketplace lender offering personal/consolidation loans that compete directly with the affiliate consolidation loan options Accredited Debt Relief matches its leads to, particularly for subprime and near-prime borrowers.
Emerging players
- GreenPath Financial Wellness: Nonprofit credit counseling and debt management plan provider that competes for financially distressed consumers via a different but adjacent model (counseling-led DMP rather than settlement), making it a partial competitor in the same consumer finance category.
- Money Management International: Major U.S. credit counseling agency that offers debt management plans as an alternative to settlement; addresses the same consumer segment but through a nonprofit/counseling structure rather than Accredited's for-profit negotiation model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Accredited Debt Relief social profiles
Digital presenceAccredited Debt Relief financial estimates
Financial estimateRevenue estimate
Valuation estimate
Accredited Debt Relief leadership team
Management profileNumber of profiles
Profiles1 record
Accredited Debt Relief funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Accredited Debt Relief M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Accredited Debt Relief
What does Accredited Debt Relief do?
Accredited Debt Relief is a US debt relief and consolidation company that negotiates with creditors on behalf of consumers to reduce eligible unsecured debts such as credit cards, personal loans, and medical bills. It also refers consumers to affiliate-provided debt consolidation loans, typically aiming for 40%+ reductions in monthly payments and debt resolution within 24-48 months. The company serves individuals across all 50 states through IAPDA-certified debt specialists, supported by a dedicated mobile app and client dashboard.
Is Accredited Debt Relief a public or private company?
Accredited Debt Relief is a private company. It is classified as corporate owned and is currently operating.
When was Accredited Debt Relief founded?
Accredited Debt Relief was founded in 2011. It employs 1,001 to 5,000 people.
Where is Accredited Debt Relief based?
Accredited Debt Relief is headquartered in Houston, United States, in the North America region.
How does Accredited Debt Relief make money?
Two revenue lines are on record. Debt Relief Program Fees are the primary driver. The others are consolidation Loan Origination.
Who are Accredited Debt Relief's main competitors?
Direct peers on record are Pacific Debt Relief, New Era Debt Solutions, CuraDebt, Freedom Debt Relief, Beyond Finance and National Debt Relief. Broad incumbents are SoFi and LendingClub. Emerging players are GreenPath Financial Wellness and Money Management International.
Does Accredited Debt Relief have an API?
No public API is recorded for Accredited Debt Relief.
What industry is Accredited Debt Relief in?
Accredited Debt Relief's product category is Consumer Debt Relief Services. Its primary akta.pro industry code is FSAEAFAC, Debt Settlement & Negotiation Services, with a secondary code of FSAKAAAD, Debt Consolidation Personal Loans (Unsecured Installment). Its NAICS code is 5223 and its SIC code is 6141.