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Debt Settlement & Credit Repair · No Upfront Fees, Ever

You don't have to carry this burden all by yourself.

Whether it’s balances you can’t pay down or a credit report full of errors, we build one plan around your actual numbers — not a one-size-fits-all package

$410M+

DEBT RESOLVED FOR CLIENTS

24 – 48 MO

TYPICAL PROGRAM LENGTH

4.8 / 5

AVERAGE CLIENT RATING

Featured Guidance Covered By

Midday Money Hour

The Payoff Podcast

Real Talk Radio

Consumer Watch Weekly

Two Ways We Help

Different problem, different plan.

Most people need one or the other, not both — a quick conversation tells us which.

Debt Settlement

Can’t realistically pay your balances down? We negotiate directly with your creditors to lower what you owe — working toward one manageable monthly deposit instead of five different minimums.

Credit Repair

Reports weighed down by errors, old collections, or late payments that don’t belong there? We dispute inaccurate items with the bureaus and creditors in writing, under your instruction, every step documented.

 

Not sure which?

That’s normal — the two often overlap. Tell us your situation on the call and we’ll recommend the path that actually fits, even if it’s neither.

 

How It Works

Three calls. That's usually all it takes to get started.

We keep the process short on purpose — the sooner you’re enrolled, the sooner negotiations begin.

01

Free debt review

A specialist looks at your full picture. No cost, no commitment.

02

We build your plan

A strategy built around your numbers — not a template.

03

We negotiate, you approve

Every offer comes to you first. Nothing moves without your yes.

Is This You?

Debt settlement tends to make the most sense if:

  • Minimum payments barely make a dent
  • You're juggling balances across several cards or lenders
  • A medical bill or job loss threw your budget sideways
  • Bankruptcy feels extreme — but doing nothing isn't working either
  • You want one plan, one monthly deposit — not five due dates to track

Why Clients Choose Us

Straightforward, on purpose.

Nothing upfront

We’re paid only after a settlement is reached and you approve it. Never before.

A real specialist

The same person who reviews your case is the one calling your creditors — not a rotating call center.

Track it anytime

Your client portal shows every deposit, offer, and settlement the moment it happens.

FAQs

Credit Repair

Only $99 a month:

 

Get your service started today for just $99 a month for our standard plan. You’ll get a welcome call, have your own secure account set up online for you to view our progress.  You’ll see your credit reports and scores after you sign up and log into your account–and we’ll get to work right away for you.  Pay as you go and stop the service when you are happy with your credit and score.

We stand behind our work, and that’s why over 100,000 people have trusted us to repair their credit in the first place. We’ve made our service risk-free. We completely guarantee your satisfaction. When you’re paying month by month as you go, you’re assured that you’ll never pay for anything that you aren’t happy with. You can cancel at any time and you will not be charged for that month of service. If you chose our flat-fee pricing, you have a full six-month satisfaction guarantee. Our goal is to make you one of our thousands of satisfied customers and we’re willing to go the extra mile for it. That’s our promise to you.

Each situation is unique and so is the timeframe required to repair your credit. The majority of our customers see credit responses within the first 45-60 days. 

 

We work on your credit on a month by month basis until you are satisfied with the improvement in your credit. Our goal is to improve both your credit report and credit score continuously each month. With that said, keep in mind that no company can promise any specific outcome simply because there are several third parties involved (e.g. Equifax, Transunion, Experian, your creditors, etc.) and no one can predict how they will respond.

It all depends. There are no two credit reports that are exactly the same. This means that improvements we make on one person’s credit may or may not improve the score as much as another’s. The “average”, we’ve found, never applies. We’ve seen scores go up 200+ points, and others just get the 20 point boost they needed to qualify for their home loan. Everyone’s results will vary, but, you can be certain we will get you the best results possible. And with our “unbeatable satisfaction guarantee®” you have nothing to lose.

You bet. Sign up your spouse after you complete your order, or up to three days following your order, and you’ll receive $20 off each of your first payments. Simply sign yourself up first and you’ll be able to sign up your spouse right after you complete your order. (addtional discount not available for flat-fee pricing)

  • You’ll receive a welcome email and phone call .
  • We’ll provide you with access to your online account so you can keep track of our progress on your credit repair
  • You’ll see your credit reports and starting credit scores from all three credit bureaus (reporting agencies)
  • You’ll start seeing credit improvements in less than 60 days
  • Your credit report and score improvements will progress throughout the duration of your service (you’ll watch it all happen through your online account).
  • At the end, you will visibly see your credit report, turn into a better credit report. We will also give you a future plan to help you maintain your improved credit and show you how to continuously raise your credit score.

Yes, we will post your credit and scores inside your online account!

Easy! Every time you receive updated credit reports throughout your service you will see items that have been changed, updated, or removed. If an item is changed or updated, it generally means that a positive improvement with that account (such as a late history) has been made. If an account was removed all together from your credit report, it means that a negative items has been removed from your credit. Usually these items are collections, charge offs, foreclosures, etc. We’ll also point out important progress made within your client account which you’ll have online access to.

You should receive your reports from the credit reporting agencies within 60 days of signing up.

Our credit service specialists are the only ones who will see your credit reports, view our privacy measures within our privacy policy—your information is safe and secure.

We review your credit report and see what’s bad and what could be better.

 

We get right to work on both — disputing any questionable items on your credit report and addressing the things we believe can help raise your credit score.

Because you are ultimately responsible for ensuring that your credit report is accurate, laws were enacted — specifically the Fair Credit Reporting Act (FCRA) — to assist you. The FCRA gives you the right to contact the credit bureaus directly to dispute items on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted.

 

Goodwill Creditor Interventions may also be used to address an item on your credit report directly with your creditor. Also, the Fair and Accurate Credit Transactions Act (FACTA) of 2003 and the Cares Act may be utilized primarily in situations where identity theft is concerned.

 

Thousands of people have legally and successfully restored their credit and increased their credit score simply by enforcing their own legal rights. This type of process can be done individually if you have the time, and of course the patience, for the learning curve involved.

Unfortunately, the credit reporting system just doesn’t work that way. When you pay your debt, the negative credit listing doesn’t disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. The credit reporting agencies will update the account to indicate that it’s paid, but the negative history will remain.  That’s where our dispute process can help.

A better question would most likely be “what items cannot be removed”. We can remove everything you can imagine. Here is a list of some:

  • Late Payments
  • Charge Offs
  • Foreclosures
  • Judgments
  • Repossessions
  • Personal Identification changed or corrected
  • Closed Accounts
  • Bankruptcies
  • Negative Settlements
  • Liens
  • Collection

Yes, our methods of disputing have proven to remove any type of late payment whether it is 30, 60, 90, or 120 days late. We see more late payments being removed than any other negative item.

You bet!  We have had tremendous success challenging collections and removing them from your credit report.

Yes, our proven methods of dispute can remove repossessions. Repossessions are difficult to remove, so the percentage of removals would not be as high as a simple late payment for example. However, there is no action step or approach that we won’t take.

Yes, our proven methods of dispute can remove repossessions. Repossessions are difficult to remove, so the percentage of removals would not be as high as a simple late payment for example. However, there is no action step or approach that we won’t take.

We generally tell our clients they shouldn’t expect their bankruptcy to be removed. Bankruptcies are public records, and tend to be in most cases the most difficult to remove if they are still within 7 years old. Our service has been known to remove them with an impressive success rate with past customers.

Late payments on student loans can be removed, although student loan debt cannot be settled.

Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the item is removed. Inquiries are a very small aspect of your credit score however and they commonly do not affect your credit score past 90 days. We usually approach these last if you would like us to, instead, we focus on the more critical items affecting your credit to begin with.

Debt Settlement

We do not charge any upfront fees and only collect fees after a settlement is authorized by the client and the first payment is made.

 

This fee amount is disclosed in full upfront and will never increase.

 

Note: As part of your debt settlement program, you open up a dedicated account with Crossroads Financial Technologies (CFT) to accumulate your settlement funds. You own this dedicated account and all funds in it. CFT collects fees for setting up and maintaining the dedicated account, and may also charge fees to make payments from the dedicated account. There is a one-time fee of $9.95 to set up the dedicated account, and a monthly fee of $9.95 that covers account servicing. We do not share or receive any part of the fees paid to CFT.

Depending on your personal situation and whether you have already missed payments to your creditors, debt settlement programs may have a negative impact on your credit score. Due to it being a separately regulated service, we do not provide credit repair services or offer advice on ways to improve your credit.

We do not earn anything unless we get you results. Specifically, 3 things must happen for a fee to be earned for the service. First, a settlement offer must be received from the creditor, we must receive your approval of the settlement, and finally at least 1 settlement payment to the creditor must be made. Only then would our fee be earned and charged to your Dedicated Account. Once debts are settled, the average client usually pays a fee of of 15 to 25% of the total debt enrolled But, until these 3 things occur, there is no fee for the service.

Debt settlement companies work by negotiating with your creditors to get them to accept less than you owe.

When you enroll in a debt settlement program, you’ll need to stop making payments on your debts if you haven’t already. Though a debt settlement company can’t require you to do this, it will likely suggest it.

 

That’s because debt settlement only works if a creditor is worried they’re not going to get paid at all. By stopping payment, you encourage them to accept a smaller lump-sum offer.

 

Instead of making payments on your debts, you’ll make a monthly payment into a third-party escrow or dedicated savings account. This account is FDIC-insured, and you own it completely. Your debt settlement company will work with you to set up this account and determine the monthly payment amount.

 

Once you build up enough funds in the account, the settlement company starts negotiating with your creditor. When your creditor accepts a settlement offer, you pay the creditor from the savings account, and the debt is considered settled. You repeat this process until all of your debts are settled.

Pros

Experienced negotiators

Clear plan

Cons

Added costs

Long timeline

No guarantee of success

 

Pros of debt settlement companies

  • They’re experienced at negotiating: The biggest perk of hiring a debt settlement company is that you don’t have to do the negotiating yourself. The debt specialist will likely bring a significant amount of experience to the negotiation and should have a good idea of what it will take for each creditor to accept a settlement offer.
  • You’ll have a clear plan for your debt: A debt settlement company can give you a clear framework if you feel like you’re drowning in debt with no way out. They’ll help you set up a dedicated savings account, tell you how much to deposit each month and give you an idea of when you should be debt-free, which can be very motivating.

 

Cons of debt settlement companies

  • The fees are expensive: A settlement fee majorly increases the cost of settlement — you’ll pay at least 15% of your total debt in most cases. This eats into the savings you receive from settlement.
  • It can take years: Debt settlement isn’t a quick fix. Since it can take up to four years to get all of your debts settled, you’ll need to be diligent about keeping up with your monthly payment. 
  • There’s no guarantee settlement will work: Not all creditors work with debt settlement companies, and a creditor doesn’t have to accept a settlement offer.

Not sure the debt settlement company you’re considering is the right choice? Here’s how to give these companies a closer look.

 

  1. Take advantage of the free phone call: Every debt settlement company should offer a free initial call. Say yes to this call. This is a no-obligation service, meaning there’s no pressure to sign up afterward. Ask questions about the company’s fees, average timeline and average savings. Ask how long they’ve been in business and what experience they bring to the table.
  2. Check for accreditations: Accreditations can help give you peace of mind. Look for accreditations by the Better Business Bureau — ideally with an A+ rating — and the Association for Consumer Debt Relief. Both have websites where you can search for the company by name.

 

Some companies may also require their debt specialists to be certified by the International Association of Professional Debt Arbitrators, which is another encouraging sign.

 

  1. Look at online reviews: Word-of-mouth is important when choosing a debt settlement company. Spend some time combing through TrustPilot, Reddit or other websites that offer reviews, like NerdWallet. See if you can identify common themes that may be worrisome, like poor customer service, unexpected fees or low success rates.
  2. Steer clear of red flags: Certain red flags should make a debt settlement company an automatic “no.” If a company exhibits these behaviors, don’t work with them.

 

🚩 Upfront fees: It’s against the law for a debt settlement company to charge an upfront fee before settling a debt — no exceptions.

🚩 Guaranteed results: While a debt settlement company can discuss its track record, it can’t guarantee anything, including that your creditors will settle for a certain amount.

🚩 Pressure tactics: If a debt settlement company is pressuring you to sign up, whether through repeated phone calls, emails or mailers, stay away.

Debt settlement is much riskier than other debt-payoff alternatives discussed lower down. Organizations like the Consumer Financial Protection Bureau and the Federal Trade Commission urge consumers interested in debt settlement to consider these risks:

 

  • It will hurt your credit: Because you’re required to stop making payments on enrolled debts, those accounts will be marked delinquent on your credit reports. Your credit score will take a significant hit, especially if you weren’t already delinquent on those accounts. Delinquencies and settled accounts stay on your credit reports for seven years .
  • Interest and fees continue to accrue: Until you enter a settlement agreement, you’ll accrue additional interest and late fees on your debt . If you don’t stick with the program to completion, or if the debt settlement company can’t negotiate a settlement, you may end up with an overall higher balance.
  • You may still hear from creditors or debt collectors: There’s no guarantee your creditors will want to work with a debt settlement company, and you may be contacted by debt collectors or sued by creditors during the process .

 

Forgiven debt may be considered taxable income: Forgiven debts over $600 may be counted as income on your taxes . Creditors may send a 1099-C form to you in the mail and to the IRS. One exception is if you are insolvent (your liabilities exceed your total assets) at the time the company settles with your creditors

Do-it-yourself debt settlement

Though it may seem easier to have a third party, like a debt settlement company, intervene on your behalf, you could have just as much success calling your creditors and negotiating with them yourself — and you can save thousands by not having to pay a settlement fee.

Same as with using a debt settlement company, success isn’t guaranteed, but if you owe only a few creditors, it’s worth a try.

 

Debt management plan

With a debt management plan, you’ll work with a nonprofit credit counseling agency to consolidate your debts into one monthly payment, while also reducing the interest rate.

This is a good option for consumers with credit card debt who have a steady income to repay the debt within three to five years.

Unlike debt settlement, a debt management plan should help build your credit score.

 

Debt consolidation loan

By taking out a debt consolidation loan, you can pay off multiple debts at once, so you’re left with only one payment on your new loan.

These loans are available to borrowers across the credit spectrum, and you can often pre-qualify with lenders to see your rates with a soft credit check.

A debt consolidation loan should have a lower interest rate than your current debts, which saves money and helps you get out of debt faster.

 

Bankruptcy

Bankruptcy lets you resolve your debt under protection from a federal court.

Chapter 7 bankruptcy, the most common form, erases most unsecured debts in four to six months. It’ll also stop calls from collectors and prevent lawsuits against you.

Like with debt settlement, your credit will suffer, so consult a bankruptcy attorney first.

Debt settlement reduces your balance. Your debt is negotiated down, and you pay less than you owe. The creditor forgives the remaining balance in a transaction called a settlement. Debt consolidation combines all of your debt into one loan with a single monthly payment, often at a reduced rate of interest. This typically requires a higher credit score for approval.

A friendly, dedicated debt expert will let you know all your options and the advantages/disadvantages of each – which will help you decide what’s best for you.

Freedom Financial is one of the largest debt relief companies since 2009 with over $20 billion in debt settled and pride ourselves on our accreditations which include:

 

– A+ rating with the BBB
– Rated 4.78+ stars by over 123,000 customers* Compiled from Google, Trust Pilot and BBB.
– A team of debt arbitrators certified through the IAPDA (International Association of Professional Debt Arbitrators)

Client Outcomes

Real people, real programs.

“I stopped dreading my mailbox. Having one plan instead of six due dates changed everything.”

— D. Martinez, enrolled 2024

“They walked me through every offer before I said yes. Nothing felt rushed.”

— K. Whitfield, enrolled 2023

“Took longer than the brochure timeline, but I understood why.”

— R. Okafor, enrolled 2024

Results-vary disclaimer directly below — keep as legally reviewed: Results vary by client. Settlement outcomes depend on total debt enrolled, individual creditor policies, and consistent program participation.

Most calls take under ten minutes and end with a plan in writing.

Talk to someone today — it costs nothing to ask.

CALL (888) 555-0182