Compare Accredited Debt Relief vs. Freedom Debt Relief Debt Consolidation

What’s the difference between Accredited Debt Relief and Freedom Debt Relief? See how our editors compare the two companies below.
Last Updated: March 12, 2018
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Accredited Debt Relief
9.5 / 10 - Excellent
#3 in Debt Consolidation
Freedom Debt Relief
9.7 / 10 - Excellent
#2 in Debt Consolidation

Key Facts

  • Risk free, and no fees
  • Debt consolidation assistance
  • One low monthly payment program
  • Free debt counseling
  • 24 to 54 months debt settlement program
  • Unsecure debts of $7,500 and up
  • Free, personalized evaluation from certified debt specialists
  • Rated A+ by Better Business Bureau
  • $7 billion in debts settled
  • Resolve debt in 24 to 48 months
  • American Fair Credit Council accredited
  • For people with $15,000 in unsecured debts and up
  • Get a free savings estimate
  • No upfront fees
  • Notice: Freedom Debt Relief was recently the target of a Consumer Financial Protection Bureau lawsuit regarding FDR’s disclosure of certain terms. Please click here for more information. Notice: Freedom Debt Relief was recently the target of a Consumer Financial Protection Bureau lawsuit regarding FDR’s disclosure of certain terms. Please scroll down to the bottom of the review for more information.


 Accredited Debt ReliefFreedom Debt Relief
Pricing & Fees10/1010/10

Services Compared

 Accredited Debt ReliefFreedom Debt Relief
Services Offered
Debt Consolidation
Debt Settlement
Professional Consultation
Debt Settlement
Professional Consultation
Program Length
24-54 months
24-48 months
Additional Benefits
Personal Advisor
Online Management
Online Management

Qualification Differences

 Accredited Debt ReliefFreedom Debt Relief
Minimum Debt Amount
Debt Solutions For
Personal Loans
Medical Bills
Business Debt
Unsecured Loans
Credit Cards
Medical Bills
Unsecured Loans
Credit Cards
Excluded Debts: Payday loans and student loans may not be eligible.
Excluded Debts: No collateral-based loans (auto loans and mortgages) and no federal student loans.

Pricing Comparison

 Accredited Debt ReliefFreedom Debt Relief
Up-front Fees?
Fees Summary
Accredited Debt Relief will take 18%-25% of whatever debt they are able to settle in fees.
* The estimates above were obtained directly from the Freedom Debt Relief online quote tool. Estimates are for an individual living in California with $25,000 in debt. The estimated fees for the above sample program were quoted as: "No upfront fees"


Company Details

 Accredited Debt ReliefFreedom Debt Relief
Year Founded

Compliance & Accreditations

 Accredited Debt ReliefFreedom Debt Relief
AFCC Membership
Accredited Member
Accredited Member
IAPDA Accredited
FTC Compliant

Online Reviews

 Accredited Debt ReliefFreedom Debt Relief
Trust Pilot Rating
9.4 out of 10
9.1 out of 10
BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews

Contact & Additional Information

 Accredited Debt ReliefFreedom Debt Relief
Homepage URL
Headquarters Address
591 Camino De La Reina #818, San Diego, CA, 92108
1875 S Grant St., San Mateo, CA, 94402
The CFPB Enforcement Action

The Consumer Financial Protection Bureau (CFPB) recently filed a lawsuit claiming that FDR failed to disclose that certain creditors will not negotiate with debt settlement companies. FDR strongly disagrees with this claim. FDR has developed strategies to negotiate settlements with debts from all creditors. In fact, since 2010, FDR settled $1.2 billion in debt (nearly 200,000 accounts) for clients with accounts from the credit card issuers listed in the complaint. cannot judge the merits of the CFPB’s enforcement action against FDR at this time. But the claims—even if true—are limited to whether FDR adequately disclosed its ability to negotiate with certain creditors. is not aware of any claims that FDR has unlawfully charged consumers or otherwise failed to provide services to its customers. You can find more information about the lawsuit at the CFPB’s site here:

Final Verdict

Freedom Debt Relief and Accredited Debt Relief are very close in quality and have the same overall rating. That said, Freedom Debt Relief scores better than Accredited Debt Relief across: Qualification. Both companies score similarly on Reputation, Pricing & Fees, and Services.

Customer Comments & Reviews

Greenville, North Carolina
Freedom Debt Relief review
excellent experience and program will allow to make extra fund payments to quickly pay off credit card debts