BBB rating:



Free consultation:



Customer service:


phone, email

Editorial Rating Logo

Editorial Rating Review

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BBB rating:



Free consultation:



Customer service:


phone, email Logo

Editorial Rating is a debt repair educational and matching tool that connects you with reputable professional services providers. From unsecured personal loans to correcting negative credit items in your report, the company will support you in your way toward a debt-free future.

With very few reviews online, we decided to take an in-depth look into the company to help you decide whether this is the solution to your debt problems. Review: Everything You Need to Know

According to the latest data, Americans are deep in debt, but the lack of financial education means many don’t know how to manage their credit wisely. Mistakes happen, but with the right assistance, you can prevent future trouble, improve your situation, and finally start saving up for big financial goals like homeownership. provides free and paid matching tools to help you find trustworthy debt relief, consolidation, and management companies. Whether you’re struggling with student debt payments or looking to settle significant credit card debt, they can point you toward dependable professionals with relevant expertise.

What Is Debt.Com Best For?

You may want to check out if:

  • You have high-interest rate loans like credit card debt.
  • Student loans are holding you back.
  • You’re struggling with IRS and state tax debt.
  • You want to improve your credit score and start rebuilding your credit.’s mission is to educate consumers on their options. Its reps will match you with a company you can trust or recommend a DIY approach to resolve your debt problems. Think of it as a third-party advisor that knows the ins and outs of our credit system. Its consultants have over a century of cumulative experience, and they’ll help you find the perfect solution for your needs. Pros and Cons

The main perks of using include:

  • Free consultation with an independent expert
  • Initial analysis and estimated savings evaluation
  • Consultations without impact on credit score
  • Honest and budget-friendly advice for finding credit repair providers
  • A+ rating from the Better Business Bureau and a high rating on Trustpilot
  • Friendly and responsive customer support
  • Accredited throughout the US
  • Resources for all different types of debt

Тhere are some cons to’s service, though. These include:

  • No clarity about their affiliate companies
  • Different qualification requirements, depending on the assisting provider

So, should you trust Keep reading to find out.

Is Legit?

Founded in 2013, the company is registered in Plantation, Florida. It has been accredited by the BBB since 2015.

Simply put, is a legitimate service that helps you explore your credit repair options and find the best debt management plan for your needs. The company also takes pride in helping you find legitimate credit repair providers and weeding out the less-than-trustworthy companies that prey on vulnerable people. This is confirmed by hundreds of positive customer reviews. Qualification Requirements

So, who can use In brief, virtually anyone with debt problems.

The consulting service covers everything from personal loans to tax debt, with its team of advisors working to create a personalized debt management plan. Depending on your budget, level of knowledge, and time you can dedicate to credit repair, they’ll recommend different companies or suggest a DIY solution.

Bear in mind, however, that qualification requirements vary between providers, so it’s best to go to for a consultation and learn what would work for you.

How Much Can I Save with

Your savings depend on the type and amount of debt you have, as well as the cost of any service you use. consultants can provide a savings estimate based on the analysis of your credit report. Since they do a soft pull, the consultation won’t affect your credit score. Services

In our review, we want to clarify that this service isn’t a credit repair or relief program. Instead, it analyzes your current situation and locates accredited companies to help you get out of debt.

Credit Card Debt

While credit cards are useful, it’s easy to overspend and start accumulating debt. If you don’t pay your balance in full, interest payments start building up, making it easy to get into debt.

For instance, one client had over $15,000 in credit card debt on their four credit cards. With the service’s professional assistance, it took them around five years to pay off three of those cards.’s specialists will help you understand the problem and suggest solutions to become debt-free and repair your credit score. Your options include:

  • Credit counseling
  • Debt management program
  • Debt settlement
  • Debt consolidation loan
  • Bankruptcy can help you avoid even more significant problems and point you toward a BBB-certified credit repair provider.

Student Loan Debt

Student loans are a burden to many young people, especially as college tuition prices grow. The average graduate has over $35,000 in debt. Meanwhile, entry-level salaries aren’t always enough to keep up with payments.

After’s review of your loans, the company’s reps will recommend options like refinancing, loan relief, and debt settlement (for private loans). They can also help you find out if you qualify for student loan forgiveness.

Tax Debt

Unpaid back taxes and state taxes are a significant financial strain. Not only can tax collectors place liens and levies on your property and take out money from your wage, but penalties also quickly add up. This is why dealing with any tax debt you might have is one of the first steps toward a better financial future. will help you navigate your options, including:

  • Installment agreement
  • Offer in compromise
  • Currently not collectible
  • Innocent spouse relief
  • Credit Score Increase

Your credit score affects every major future purchase. A poor credit score means you’ll get higher interest rates and down payments, and it could even make it hard to get a mortgage or a car loan.

Since improving your credit takes time, it’s never too early to start.’s consultants will help you identify incorrect items and decide whether to dispute them yourself or go to a professional. customer reviews also praise the free resources to help consumers budget better and start building their credit over time.

Free Online Resources

The service does live up to its promise of educating people about their debt relief options with a variety of free resources. Its consultations are free, so no strings attached. You can also find a wide array of free financial calculators on These include:

  • Credit card payoff calculator
  • Debt relief strategy comparison
  • Debt-to-income ratio calculator
  • Personal loan calculator
  • Mortgage calculator
  • Car payments calculator
  • Savings calculator

On top of that,’s articles, ebooks, and webinars are in-depth learning material to help you fill in the gaps in your financial education (thanks, school system). The website also features letter templates for communicating with creditors and even a job search section to help you find a source of additional income.

How Does Work? is a matching and information service powered by certified credit counselors and financial experts. To find a solution for you:

  • The agent will ask you about your current situation, struggles, and goals.
  • They will pull your credit history and analyze your options.
  • You’ll receive suggestions on DIY and professional services that could help you become debt-free and start saving up for big life events. LLC reviews often praise the company’s impartial and client-centered approach. The agency is affiliated with debt relief providers, but their priority is finding you an accredited credit repair service.

How Much Does Cost?

There are no fees for consultations or recommendations. The company receives an affiliate commission from providers they suggest, which doesn’t change the price for you. Depending on the service you’re using, credit repair can cost:

  • Do-it-yourself repair: $0 or postal fees (less than $30)
  • With dispute software: from $13.99 per month to $400
  • Concierge repair service: $15-$90 setup + $30-$100 per month 

Debt relief varies even more, depending on the type of loan, its amount, and the stakes (e.g., debt settlement is better than bankruptcy, but it’s not always the best option).

During your call, the consultants will tell you all about providers’ pricing schemes and expected costs. Customer Service is built around customer service, and it shows. Its team is composed of highly-educated experts and counselors that will create a roadmap toward the perfect debt solution for you.

There is a phone number available. You can also get in touch via the website contact form. The company’s reps are friendly and knowledgeable. They can guide you through your particular debt issue, answer all of your questions, and clear up any confusion points.

Finally,’s educational mission means the company is always looking for contributions. Email the editor if you have an idea. You don’t have to be a professional journalist. You just need a credit-related story. Reviews [2022 Updated]

Here is what real users had to say about’s credit repair matching service:

The Positives has an A+ rating from the Better Business Bureau (BBB) with zero customer complaints. Trustpilot reviews cite the outstanding customer service, personal attention, and approach to your financial needs, as well as the highly professional and qualified advice. Reviewers almost unanimously praised the consultants’ calm and polite demeanor, which is especially important when your clients face money troubles.

The Negatives

While reviews are overwhelmingly positive, there aren’t a lot of them. For instance, there are virtually no reviews on Reddit, though there are some posts about their giveaways and sweepstakes. The chief complaints that came up were pushy salespeople and not enough clarity on affiliated providers. While this might be an isolated issue, make sure you’re taking the time to learn about your options and make an educated decision.

Is the Best for You

Since is a consulting service, we firmly believe it’s for everybody that needs help handling debt. Whether it’s mounting credit card debt, back taxes, or a student loan that you can’t keep up on, the team of financial consultants and certified credit counselors will analyze your situation and create a personalized roadmap to better credit. only works with BBB-accredited companies and provides free, impartial advice tailored to your needs. What’s more, its blog, ebooks, and webinars are detailed and very informative. Learn more about credit and budgeting best practices with free online resources and calculators, even if you don’t get a consultation.

So, my bottom line is clear: Check it out today and start taking your financial future into your own hands!

Alternatives of is a matching service for consumers to find a credit repair provider. While its reps are knowledgeable and experienced, you don’t really need them to find a debt solution. The best alternative (and something you should do anyway) is learning about debt and choosing your options based on expert advice online.  Some of our favorite resources include:

  • myFICO by the company that came up with FICO scores. They have multiple credit information and education resources on the website.
  • for a variety of financial education materials on credit and more. Unlike, they are not affiliated with any companies but run as a non-profit.
  • American Consumer Credit Counseling for everything you need to know on good Vs bad credit, credit scores, and smart loan-taking. Review: Final Thoughts

In a nutshell, is a beneficial resource for anyone that struggles with debt-related issues. While it’s not very well-known, the company still has hundreds of positive reviews online and a BBB accreditation to prove it’s legit.

With a limited number of reviews, it may be hard to decide whether you want to try out its consultations. Hopefully, our in-depth research has helped you learn more about the service. Let us know what you think in the comments below!


  • Team of industry experts and certified credit counselors
  • Free consultation and analysis
  • Personalized roadmap to paying off debt
  • Consultations without impact on credit score
  • Estimated savings evaluation
  • BBB-accredited affiliates only
  • In-depth educational resources like ebooks, how-to guides, and webinars
  • Free financial calculators


  • No details on their affiliations
  • Occasionally pushy salespeople Logo

Editorial Rating


What is provides free credit analysis and service matching to help you find a debt repair solution that fits your needs. Its team comprises financial advisors, credit counselors, journalists, and industry veterans with over a century in cumulative experience. doesn’t provide credit repair or debt relief itself but offers free expert advice on DIY and professional solutions.

Are debt reduction services legitimate?

Yes, a lot of debt reduction services are legitimate and useful.’s consultations and resources can help you figure out which one to choose.

Does ruin your credit?

No, only does a soft pull on your credit history. This doesn’t affect your score like hard pulls do, but it allows their experts to evaluate your situation and suggest a credit repair solution.

Is it smart to use a debt relief company?

Debt relief companies can help you pay off your loans and prevent bankruptcy. But they do come with certain risks. Debt settlement usually involves a period of not paying your creditors, which immediately damages your credit score. Make sure you consider all of your options carefully and talk to a credit advisor (’s review and consultations are a great option here).

Is It Better to Settle or Pay in Full?

Settled debt shows up as ‘Charged-Off Settled’ or ‘Paid-Settled,’ which is slightly worse than paying in full. If you can find a way to pay in full, this is always the better option.

What is the smartest way to consolidate debt?

To consolidate unsecured loans, you can: use a collateralized loan for lower interest (e.g., with a home equity loan), transfer all to a single low-interest credit card, use a debt management plan, take out a personal loan, tap into your savings (e.g., your Roth IRA or 401(k)).

Is safe?

Yes, if anything, will guarantee you a safe credit repair experience. It’s an A+ rated, BBB-accredited company that helps you find reputable debt relief and credit repair service providers. Hundreds of reviews confirm the company is safe and legitimate.