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- Credit Associates
- (888) 492-6145
- OUR PARTNER
- EDITOR'S SCORE
- 9.85 / 10
- SUMMARY
- BBB A+ Rating
Millions In Debt Resolved
Accredited 5 Star Member of Consumer Affairs
Trustpilot Rated 4.9 out of 5 Stars With Over 5,000 Reviews - WHAT WE LIKE
- $10,000 Minimum Unsecured Debt
No Upfront Fees
No Minimum Credit Score
24 to 36 Month Program - AVAILABILITY
- There is a reason CreditAssociates is ranked #1. They are a debt relief industry leader, working with clients to provide dependable and affordable debt resolution for credit cards and personal loans. Their team of professional debt consultants provide superior personal service with an emphasis on customer satisfaction. Their software allows clients to track their progress through a user friendly mobile app.
- Fiona
- OUR PARTNER
- EDITOR'S SCORE
- 9.4 / 10
- SUMMARY
- Free Resource To Help Loan Shoppers Get Best Loan Deals
Offering an algorithm-based marketplace for lenders and borrowers
Borrowers are matched with the loan providers most likely to approve their applications - WHAT WE LIKE
- Loans of $1,000 to $100,000
24 to 84 Month Loan Terms
APR of 4.99% to 35.99% - AVAILABILITY
- Fiona is a marketplace for lenders and borrowers that works with brands in the alternative lending industry, offering real-time pre-approval options quickly. Borrowers are matched with the loan providers most likely to approve their applications.
- LendingTree
- OUR PARTNER
- EDITOR'S SCORE
- 9 / 10
- SUMMARY
- Largest Lending Network in the United States
Rated A- by the Better Business Bureau
Get Up to 5 Loan Offers In Minutes - WHAT WE LIKE
- Loan Amounts of $1,000 to $50,000
3 to 15 Year Loan Terms
580 Minimum Credit Score
APRs of 5.99% of 35.99% - AVAILABILITY
- LendingTree is America's largest online lending marketplace. It connects borrowers with multiple lenders so they can find the best deals on loans, credit cards, deposit accounts, insurance and more. LendingTree allows borrowers to shop and compare competitive rates and terms across an array of financial products.
- Bad Credit Loans
- OUR PARTNER
- EDITOR'S SCORE
- 9.25 / 10
- SUMMARY
- Helping People With Bad Credit Since 1998
No Minimum Credit Score Required
Loan Approval Within 24 Hours - WHAT WE LIKE
- Loans of $500 - $5,000
Loan Terms of 3 - 72 Months
APRs of 5.99% to 35.99% - AVAILABILITY
- BadCreditLoans.com has been helping borrowers with bad credit since 1998. Filling out & submitting the application are free and they use data encryption technology to make sure your information is protected. BadCreditLoans.com is a valuable resource for those seeking funds in times of need.
- PersonalLoans.com
- OUR PARTNER
- EDITOR'S SCORE
- 8.5 / 10
- SUMMARY
- Provides Personal Loan Network Focused On Less Then Perfect Credit
Member of the Online Lenders Alliance
Offers Peer to Peer Loans, Personal Installment Loans and Bank Personal Loans
- WHAT WE LIKE
- Loan Amounts of $500 to $35,000
90 Days to to 6 Year Loan Terms
No Minimum Credit Score
APR of 5.99% to 35.99% - AVAILABILITY
- Every state has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner.
Consumer Debt in America
At the close of 2017, consumer credit card debt in America reached close to $1 trillion. Credit card balances continued to climb and most consumers laid the blame on their own unnecessary spending. The average household that carried credit card debt had an average balance of just under $16,000.Living costs have increased compared to income. A significant rise in medical costs and food prices compared to income have contributed to this negative cycle.
What are my Options for Debt Relief?
- Pay Off Your Debt In Monthly Installments
- Work with a Debt Settlement Company
- Qualify for a Debt Consolidation Loan
- Join a Debt Management or Credit Counseling Program
- File for Bankruptcy
Pay Off Debt In Monthly Installments
If your debt is manageable, you can pay off your debts in monthly installments and manage the entire process on your own. You should keep in mind that if you can only afford to make the minimum monthly payment, you may be in for a long ride.A $2,000 credit card balance that carries an 18% annual rate can take just over 30 YEARS to pay off in you only make the 2% minimum monthly payment every month.
Work With a Debt Settlement Company
Debt settlement is an increasingly popular option. Credit Associates, our top rated debt settlement company, negotiates with your creditors on your behalf. The goal is to reduce the total amount you owe, have the creditor take a loss on the remaining debt balance, and agree to a new deal with creditors to make monthly payments over a 2 to 5 year period. A debt settlement program will negatively affect your credit score but it will allow you avoid bankruptcy and your credit score will likely improve once you complete the program.
Qualify for a Debt Consolidation Loan
A debt consolidation loan is the process of combining many unsecured debts (credit cards, medical bills, etc.) with high interest rates into one loan with a lower monthly payment. If your goal is to become debt free, a good debt consolidation loan should bring you monthly savings and help you improve your credit score.
What is a Debt Management Program?
A debt management program issomewhat similar to debt settlement program. A fundamental difference is that you must hand over control to the agency and allow their representatives to negotiate and make the payments on your behalf.It will also negatively affect your credit score but will allow you to avoid bankruptcy.
Bankruptcy
Filing bankruptcy is generally the last resort. If you are unable to pay your debts and you don't see any other way out, you should contact a bankruptcy professional to get legal advice. You should keep in mind that in a bankruptcy, you are at risk of losing all your assets and possessions. A bankruptcy will negatively impact your credit score for the long term and it is up to the court to decide if you qualify for a Chapter 7 (entire debt wiped out) or a Chapter 13 (a percentage of the debt will be wiped out).
Americor Funding is one of the many debt settlement companies popping up that promises to help you climb out of a financial pit. Unfortunately, it seems like Americor Funding is yet another bait-and-switch company that is prying on people with a poor financial record and further plunging them into debt or financial crisis with poor advice.
Preferred Financial Services aka Signature Preferred Financial, claims to be a debt settlement company that offers an affordable way to reduced your credit card and other debts.The company has been accused of being non-responsive to customers by not answering calls, sending threatening emails, not providing proper service, and not fulfilling their obligations to customers.