I have a total of 8 accounts to resolve and so far after almost 4 months only two are being resolved. Meanwhile my credit score dropped over 250 points. How will I ever recover my credit after this? My creditors are continually adding interest and late fees while beyond sits on their hands and watches. My credit has never been so low in my life and im concerned now where I’m going to move when my lease is up here. Who will rent to someone who’s credit score is below 300? If you decide to want to settle your debt think about how many accounts you want to settle because deciding. I felt extremely rushed and pushed to sign the dotted line while nowhere in the beginning process was I told that my credit score would plummet. I was better off before all this and now the creditors that are NOT budging with Beyond are sending me settlement offers. Please tell me if I made a huge mistake going through with beyond? I am completely disappointed disgusted dissatisfied and frankly sick to my stomach. You guys held way too much important information back in the beginning process. I definitely would have made a better decision. I really hope some of these accounts can start to settle soon. What is the end game if the creditors don’t settle? Let me know please. 🙏🏽

I just want to start out by saying that this program is NOT for everyone. I got myself into a lot of credit card debt and the interest rates on each credit card made it almost impossible to see any progress. I had an amazing credit score— in the high 700s— so seeing it drop in the 500s was shocking and I’ve questioned many of times if I made the right decision, but I also knew I didn’t need a good credit score anytime soon. I already have a house and a car, so just keep in mind if you are planning on making huge purchases or moving I would maybe wait on consolidation. I started my program last year and have already closed 1 account with 3 in progress and my credit score has gone up slowly. The more money you can add to your account the quicker it goes by. Also the 25% fee for each account is still cheaper than paying predatory monthly interest rates!! It has been stressful and some creditors have been more aggressive than others, but it works itself out and I can eventually see a light at the end of the tunnel. Thank you Beyond!

If they could receive less than a star I would have given them zero stars I signed up with them and they said that if I pay them monthly on time, then I would be eligible for a loan where I could pay off all of my debt at once I paid them every month I agreed-upon amount in good faith believing that they were negotiating with creditors and paying off creditors. They only paid one credit card the one with the lowest balance they never negotiated with them. They’re just paid off the lowest balance which was $300. The rest of the money that I sent them for the next nine months they kept in their escrow account at least that’s what they had told me. I eventually contacted them and said that I could no longer work with them considering they were not doing any work and they told me that the money that they had in the bank was not going to come back to me that it was their fee. They argued with me repeatedly. We went item by item through everything that they said that I owed them. I did the math with them even paying them the fees that they said I owed which I definitely didn’t and was not agreed-upon ahead of time I should have received near $300 they argued with me repeatedly and eventually told me that they were sending me a check for $200 from them instead I received a check for less than $90. They received close to 2000.

At first I was Beyond (see what I did there) stressed out to start debt consolidation but I was far more stressed making minimum payments on credit cards and not even beginning to make a dent in those balances. Beyond has been so easy to use and so helpful. I feel as if I get to release a lot of my financial stress onto them . They literally take care of everything , all I do is make sure to send them a screenshot of all the email, mail and texts I receive from my current credit card companies and they take care of the rest. Just this week I got a notification saying my credit score went up 5pts. The most nerve wracking part of doing this for me was my credit score being ruined but after talking to a rep on the phone and they ensuring me it was only a temporary decline in my credit score I felt better , still nervous but better . Today I can say I made the right choice by signing up and getting my debt under control . I have zero regrets !