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In order to make a confident decision about which lender to choose, it is important to do your research. Here is a comparison ofClearOne AdvantagevsFinancial Freedom1so you can make the right choice.
Debt Consolidation Reviews
5/5
- BBB A+ rating
- Minimum debt $10,000
- No minimum credit rating
- $3 billion + debt resolved
4/5
- BBB A+ rating
- Minimum debt $7,500
- No minimum credit rating
- $500 million in debt paid off
With ClearOne Advantage, you can lower your monthly payments and get rid of unsecured debt by lowering your monthly payments. Not only do they have a proven track record with their customer retention group, but they have also been ranked #1 in theDebt Consolidation LoanCategory from several different organizations. ClearOne Advantage may be able to help you with debt. We will look at their services and customer feedback in this ClearOne Advantage review.
Summary
Having trouble managing your debt? ClearOne Advantage can help. The company has helped thousands of clients resolve registered debts since 2008.
As a result of a careful review of the site and Terms of Service, we discovered some interesting results. Some of the most notable discoveries are detailed below.
- It has a customer satisfaction rating of 9 out of 10 and an A+ rating from the Better Business Bureau.
- They offer free services until your enrolled debt is reduced and savings are made.
- You get a cheap monthly payment plan that is specifically tailored to your needs.
- Those willing to stick with the program and pay off all of their debt can expect to save about 50% over 24 to 60 months.
- The company has a track record of servicing over $3 billion in debt for its clients.
- You have access to all your account information through a self-service customer portal, available 24 hours a day, seven days a week.
- The site offers budgeting tools, articles, and a comprehensive guide to debt.
- Member of the Consumer Debt Relief Initiative (CDRI)
- Best Reputed Debt Reduction Company.
- Award-winning customer loyalty group.
- It is not ClearOne Advantage's policy to accept secured debt securities secured by real estate.
ClearOne Advantage:What is it?
The ClearOne Advantage team can help if you're having trouble paying off your credit card or other unsecured debt. They are a leading debt resolution company that has helped thousands of clients resolve their credit card debt and other unsecured debt since 2008.
ClearOne Advantage charges no upfront fees and will work with you to design a debt relief solution that meets your needs. With their certified debt specialists, you can negotiate lower balance payments with your creditors so you can pay a fair amount of your bills - at an acceptable level.
The company is based in Baltimore, Maryland and can be reached at 888-340-4697 or by email at[email protected]
How does this company work?
Getting out of debt can seem daunting, but it doesn't have to be. ClearOne begins by analyzing your debt and estimating your savings. A Customer Loyalty Group Certified Debt Specialist will assess your situation and help you find a payment plan that fits your budget. This usually takes less than 20 minutes and can be done over the phone or online.
Because no two situations are the same, your debt check can provide you with a detailed breakdown of what ClearOne can do for you and how much you can save.
after registration,What happens?
When you enroll in their program, you deposit a reduced monthly amount into an FDIC-insured bank account in your name. This account is used to pay your creditors each month and can be up to 40% less than what you are currently paying.
As your balance increases, ClearOne Advantage begins negotiating with your creditors on your behalf. You can easily qualify for a debt consolidation loan by going through this process, which will help you get back on track, improve your financial situation, and avoid the need for debt consolidation services in the future.
How do I qualify for the ClearOne benefit?
When it comes to debt solutions, there is no one-size-fits-all solution. bankruptcy orcredit repairmay be the best option for some, while debt settlement companies may be a better option for others. There is no doubt that paying off debt is a flexible solution that can work for a variety of financial situations.
To join a debt reduction plan, you need to save money to make a fixed payment. As a general rule, you should set aside 1.5% of your total debt to pay off debt each month. For example, if someone owes $30,000 in unsecured debt, they should be able to consistently set aside $450 a month for the duration of the program.
Benefits of ClearOne BBBreviews
ClearOne Advantagehas a BBB A+rating and has been accredited since 2014. It has received an average of 472 customer reviews, with almost no negative comments.
Below are some positive reviews of ClearOne Advantage:
Ruthie J 07/09/2022 See more
Check if you qualify for the credit card exemption
See how much you can save each month - and get an estimate of time savings and total savings - with your own custom plan.
I'm happy with the debt settlement process and the payments are all they promised and they saved us a few bucks...our credit took a big hit but they told us yes. I haven't had any problems other than misunderstandings and I hope not. My only problem is communication...I need to know what's going on right away.
Tammy J. 04/16/2022 See more
This is a great company. They are all warm and understanding!
Kimberly V. 03/01/2022 Show more
AMAZING customer service. Not knowing what to do with my financial situation, I found this service. I recommend this company to everyone and hope to be debt free.
Tara R 02/04/2022 See more
I waited a few months to post this review because I needed to be sure everything was going as it was explained to me and I wanted others to know how legitimate this process was. Now that I've waited I have to say it was great working with Armani. He was professional, friendly and reassuring. I've never felt such a sigh of relief. I can live without the terrible stress I deal with. I only wish I had done that sooner. Now I can move on with my life and make better credit decisions. Thanks!!
frequently asked questions
How much can you save with the ClearOne Advantage?
Your savings would depend on the amount of your debt and the willingness of your creditors to negotiate. Just look at customer reviews to find out if ClearOne Advantage can help you lower your monthly payments and save an average of 50% on your prepayment obligations.
How muchThis firmDemand?
You will not be charged any hidden fees when working with ClearOne Advantage, one of the leading debt settlement companies. Also, they won't get paid until at least one of their monthly billing payments has been made. Every situation is unique, so your fees and costs will vary.
How does the benefit affect your credit score?
This can cause problems if you need to borrow again in the future, as lenders often use credit scores and past payments to make lending decisions. Paying off credit card debt for less than the amount owed will appear as a black mark on your credit report.
How can I cancel the ClearOne benefit?
You need to know your rights and options before signing a debt settlement agreement. You can get out of a debt settlement agreement quickly by requesting it in writing.
Looking for tips to help get you back on track when you're struggling to make ends meet? Here are a few suggestions.
- Staying on track can be achieved by creating and sticking to a budget.
- A financial advisor can also help you understand your options and develop a plan tailored to your individual needs.
- Also, don't worry if you're already in debt. Most companies are willing to work with customers to develop a more manageable payment plan.
ClearOne Advantage:is it legit
ClearOne Advantage has a legitimate debt adjustment program with world-class debt negotiation services. It is accredited by the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). In addition to its privacy policy, which outlines the information it collects and shares with affiliates, its website is encrypted for security.
As an added benefit, ClearOne Advantage is an excellent choice if you are looking for a reputable and reliable company. They have an A+BBB rating and have been accredited since 2014 and most of their clients are happy with their services.
In this Liberty1 Financial Review we take a look at the company and try to answer the following questions: Is Liberty1 Financial legit? Is Liberty1 Financial a scam? let's find out
Liberty1 Financial offers debt consolidation loans to help people pay off their debts.
Over the past few years, Liberty1 Financial has helped thousands of people consolidate their debt into one monthly payment, but there have also been a few complaints about the company. Some people claim they were tricked and swapped out - meaning they were given one thing but another. Others report that interest rates on their loans were much higher than expected.
Is Liberty1 Financial a scam or a legit company? They're probably somewhere in between. There are some things you should consider before applying for a loan from them. However, if you exercise caution and do your research, you can find a loan that suits your needs.
It is recommended that you follow these steps if you are considering consolidating your debt with Liberty1 Financial:
- Be sure to read the fine print before applying for a loan.
- Compare interest rates from different lenders and shop around.
- It is important to be aware of the possibility of bait and switch tactics.
Advantages and disadvantages
Here are a few things to keep in mind when considering using this company for a debt consolidation loan:
- They have been accused of using decoy and switch tactics by their customers.
- Several negative reviews have been written about this company so please proceed with caution.
- There is a high interest rate and no flexibility in payment.
- Another lender may be a better choice for you.
Make sure you understand all the ins and outs of Liberty1 Financial before making any debt consolidation decision.
Financial Freedom1:What is it?
It has been in operation since 2008 and offers a variety of loans including personal loans, business loans, and lines of credit. However, Liberty1 Financial has more disadvantages than advantages.
In addition to bait-and-switch tactics, many customers have reported receiving a higher interest rate when they applied for the loan, despite promised interest rates. Over the life of the loan, these additional interest payments can cost hundreds, if not thousands, of dollars.
Also, Liberty1 Financial often charges hidden fees. These fees may include incorporation fees, processing fees and closing costs. This makes it difficult to compare Liberty1 Financial's borrowing costs to those of other lenders.
It is important that you do your homework before taking out a loan with Liberty1 Financial. Read the terms of the loan carefully and make sure you understand all the fees involved.
How it works?
Customers have reported that Liberty1 Financial advertises low interest personal loans, but when you apply for the loan they tell you that you do not qualify for the rates advertised. Liberty1 Financial makes money by enticing people to take out high-interest loans. Instead, they offer a much higher interest rate.
Read the fine print carefully before pulling out aprivate loanif you are thinking of doing this. It is possible that you may end up paying much higher interest than you initially expected. Ask a representative any questions you may have before signing any paperwork. Otherwise, you could end up with an unfavorable deal.
How to qualify for Liberty1 Financial
To qualify for Liberty1 Financial you will need the following information:
- In order for Liberty1 Financial to consider you for a personal loan, you must have a minimum credit score of 660.
- To qualify for a personal loan, you must have a steady income. This may come from employment, child support, child support, or some other source.
- You must have an active checking account to qualify for a loan. Your loan funds will be deposited into this account and your monthly payments will be made from this account.
Liberty1 Financial should be able to provide you with a personal loan if you meet all of the criteria above.
Liberty1 finances:Zinsrate
You can choose from a variety of debt consolidation loans and personal loans offered by Liberty1 Financials, each with its own interest rate. Your interest rate is determined by your credit rating, income, and the length of your loan.
Due to the high level of risk associated with debt consolidation loans, interest rates tend to be higher than traditional loans. However, if you have good credit and can secure a competitive interest rate, debt consolidation can be a great way to save money in the long run.
If you are considering consolidating, consider comparing interest rates and terms before consolidating your debt.
How do you pay back?
It depends on the type of loan you have with Liberty1 Financial. When you have a debt consolidation loan, you have to make monthly payments to pay off your debt.
A personal loan requires you to make monthly payments to pay off your debt. However, you can make lump sum payments for any type of loan, which can help you pay off your debt faster.
Make sure your payments are made on time and in full to avoid fines or late fees. You can also contact Liberty1 Financial if you have questions about your loan.
If you don't pay Liberty1 Financial,What happens?
If you're unable to make your payments to Liberty1 Financial, here's what you need to know.
If you miss a payment or are late with a payment, the lender will charge you a late fee. The late fee is $15 or more than five percent of your unpaid balance, whichever is less. When you make a partial payment, Liberty1 Financial requests payment of the debt with the highest interest rate first and the remaining amount of the debt with the next highest interest rate.
Failure to make your payments can send collection agencies after you, legal action can be taken, and your credit score can be adversely affected.
What types of loans does Liberty1 Financial offer?
Liberty1 Financial offers debt consolidation loans and personal loans. As a direct lender, they can help you find a loan that suits your needs.
To consolidate the debt, this lender offers fixed rate debt consolidation loans with fixed terms and interest rates. You can save interest and get out of debt faster. If you have good credit, you can also get a low-interest loan, which will save you even more money.
Whether you need a personal loan for home renovations, medical expenses, or debt consolidation, Liberty1 Financial can help.
Liberty1 Financial Loan:minimum credit ratingnecessary
For a loan from Liberty1 Financial, 620 is the minimum credit score. However, the company also considers factors such as your income, work history and debt. If you have a lower credit score, you may still qualify for a loan if you have strong opposing factors. For example, if you have a low credit score but a high income, you may still be eligible.
There have been numerous complaints about the company's predatory lending practices. Before you take out a loan, make sure you are clear about your own financial situation.
How does this affect your credit score?
Your credit rating may be reduced by a few points due to strong pressure from Liberty1 Financial. Having late payments can further affect your credit score and make it difficult for you to obtain future loans or lines of credit. In general, if you are trying to improve or maintain your credit rating, it is advisable to avoid working with companies like Liberty1 Financial.
How to cancel Liberty1 Financial
If you wish to cancel your loan from Liberty1 Financial, simply follow the steps below.
If you have an outstanding balance on your loan, you must first pay it off before you can cancel it.
Canceling your loan only takes a few minutes and is a simple and straightforward process. However, as soon as you cancel your loan, you can no longer take out another loan with Liberty1. So if you are sure that you want to cancel your loan, follow the steps below.
- Please contact customer service
- Your account number must be provided
- Tell him you want to cancel your loan.
- follow your instructions
If you're ready to cancel your loan, follow the steps above and you're on your way.
Liberty1 Financial BBB Reviews
In the last three years, there has only been one claim against Liberty1 Financial Group that has been settled within the last 12 months. The companyis accreditedby the Better Business Bureau (BBB) and is rated A+.
However, it is important to note that the BBB ratings are not all positive. In fact, many of them are quite critical of the company.
Below are some BBB ratings from Liberty1 Financial:
Casey C 12/16/2020 See more
I received a preselected offer in the mail. I googled to try to confirm if they really are lenders or if they are debt relief in the guise of a lender. I couldn't find any information to confirm or deny, only 100% rave 5 star reviews which are not realistic. They also only opened in 2020. However, I went to their website and entered my pre-screening code and then the screen said I need to call a number to complete the application - extremely strange.
Within minutes I received a text message from Diane C***** again giving me the number to call her on or saying she would call me. I wrote back asking if this is debt relief or really a loan as my credit score and DTI are not good and no one else was willing to approve me and this is a soft or hard loan request. She replied that we would have to discuss this over the phone. I call her, no answer, leave a voicemail, no call back. I text her twice more and she never replied. Something about all of this seems very suspicious.
Financial Freedom1:is it legit
There are many scammers out there these days and it can be difficult to know who to trust. Liberty1 Financial is one such company, whose clients have accused it of bait-and-switch tactics.
You must do your research before getting involved with Liberty1Financial.com if you are considering working with them. There are a number of complaints online from people saying they were promised low interest rates but were then given high interest rates and difficult terms; Therefore, you need to make sure you know what you are subscribing to.
Ultimately, you decide whether you want to work with Liberty1 Financial or not. However, if you decide to work with them, it is extremely important that you fully understand their policies and procedures to avoid surprises later.
If you have worked with Liberty1 Financial before, please share your experience with us.