Beyond Finance

I would not recommend I started with Beyond about a little over a year ago. At the time I had 5 different debt areas totaling around $25,000. There were 2 large accounts with the majority of the debt, 3 others that had a total of about $3,000. They told me that the deal was I would pay $159 every 2 weeks for 4 years and it would be cleared. At the time of the consultation, I specifically asked about a few things: 1) my credit score was around 720 at the time, how much would this affect it and for how long? 2) Is that going to be enough of a monthly payment? Should I increase to cover the costs so its faster for the negotiations? 3) should I just not include the smaller accounts and pay those off? They told me with great confidence that: - I should absolutely keep every debt account on here. There is absolutely no reason to do hold anything back. - That increasing my payment wouldn't help because it only takes more money out of my pocket monthly and doing this payment plan would work great. -That I shouldn't even need to contact them as long as I stayed on my payment course. - That your credit score WILL take a small short term hit, but all of their customers report back that they see it go "higher than it was before" within a year. Now if we fast forward 20 months later. My credit score is 520, i can't rent a home. This happened because there were SO many delinquent payments from the first 3 smaller accounts that is sent my score down and is not climbing. Then I got a call that the bank is taking legal action and I need to come up with 10,000 in 3 months. OR I can just increase my bi-weekly payment from 159 to 659 dollars ($1400 per month) They mislead me on everything they said. I am sure that if you have a single credit line with a certain amount of debt, this company can help you get a lower rate. If you actually need a debt solution that doesn't involve years of Credit issues and the banks still coming after you in court, I would not go with them. P.S. this exact same thing happened to my fiance and now our household is under larger payments than we had before the program.

Absolutely terrible experience and borderline fraudulent. I was told to steop contact with all collection agencies for months as Beyond Finance would then start to go to work on my debt resolution. I started to notice barely any progress that they were making with my numerous debts. Then they started reaching out to me stating that they could not move forward without extended documentation and notarized letters despite going through a two and a half hour onboarding call, uploading all of my documentation. Now, they are demanding that I contact all of these businesses that they originally told me to ignore, with the impossible task of asking them to give me extended documentation when I am now beyond delinquent with the accounts. Customer service stopped responding and I was unable to get adequate help and have had my concerns dismissed. This company is fraudulent with their approach and promises to customers. Don't be fooled by them when they settle one or two very outdated and easy to resolve accounts. They will continue to take large chunks of money out of your bank and account and all progress on your debt resolution will slow to a crawl/stop. They have had 2K of my money for my "enrolled debt" that they are supposed to apply to debt resolutions which has been sitting in their pockets for almost a year now and they have still been trying to withdraw money out of my bank account on a bi-weekly basis.

Great contacting ethics. Seems to be trusted

Friendly, informative, knowledgeable, respectful.

I like the idea that Customer Service was very helpful and I was able to understand the process as it was explained to me. I have nothing bad to say about the company or the Customer Service .

Easy to work with, amazing customer service. Our representative was knowledgeable on the subject matter and listened to our concerns. He took the time to answer our questions and followed up with us the next day.

Before I was worried how to pay each of my monthly credit card payment now I only worried one payment each month and low payment . I'm so thankful I found beyond finance. Thank you so much😇

Great experience. They made me feel like there was hope, and that I wasn't alone. Very professional and courteous. I would recommend to anyone drowning in debt. Thank you Beyond!

i haven't been with you very long, but so far i'm very pleased with everything.the people are very nice, so pleasent to talk with.They get right on things and get the job going.As i said i haven't been with them long but i don' forsee any problems.

From my first conversation the counselor was understanding and gracious. She never made me feel bad for life happening and my situation just assured me we would work together and find an option that worked for me

I like the constant communication and patience they exhibited. They took the time to go over all aspects of the process and were willing to answer any questions and/or clarify anything I needed.

Jeff was amazing went over in detail everything the program included, love how he was very sincere and genuine on what the plan entailed and next steps, set up my account and dashboard

Friendly and professional staff, very helpful and informative. I tried so hard to get out of debt but interest rates kept easing into my payments so I’m looking forward to this much needed helping hand from beyond

Accredited signed me up and the representative Michael H was very knowledgeable and thorough with the service. I would highly recommend him for a promotion. Beyond Finance took over as the step and they were great. Thanks.

I like how patient my coordinators were and the time they take to walk you through how everything works. You didn’t feel like you were being judged. The app is fantastic and so is the communication.

So far my experience has been great. It’s hard to leave a five star review when things have just started. If they do what they say they will to help me then I’d be happy to praise them accordingly. But for now the folks that I’ve had the pleasure of speaking with have been great. And they call back when they say they will.

Everyone was very helpful. Thank you to, Tyler, Brandon, Oliver and Olivia for everything they did to set me up on my way to debt freedom, there was one other female but cannot remember her name.

Extremely frustrating. I've been dealing with them for about a year. Initially a great pitch, promising me they would "take care of everything." They've since settled a few of my credit card debts, but I've had to deal with lawyers and the court system, as they are not very conscientious. I have to constantly call and make sure they're doing their job so that I don't keep getting served with court papers! Lazy about ensuring debts are settled and everything is in order. They use the excuse they can only work with the funds available, but they don't do their job very well, even when they do have the funds. Communication sucks - they make "appointments" to speak with me, and then they don't call!

so far, the company has done everything that I have asked an more. Their Customer Service Reps are knowledgeable, and helpful, and the company is assisting me to a debt free future

Such a great experience Destiny was so professional and thorough she was really patient and helped me out. she answered all my questions and concerns. everyone should be like Destiny very very helpful.

Great experience so far. Looking forward to this Financial lifestyle change. They helped me log into the app. Made sure I had a clear understanding of everything. Great customer service.

I Reached out to this program following up from a previous program that I was on the was too costly for me . the fees for Beyond Finance are so much better than other companies. And the process are nearly half of the time and cost I will be very appreciative of this process with Beyond Finance and recommended to others

I was given the wrong information regarding the settlement process. I was told the two loans I wanted to settle wouldn’t effect my credit. I have a great credit score and explained I wouldn’t be interested if the settlement would effect my credit score. The agent reassured me that the creditors would be contacted and the creditors wouldn’t charge any late fees or interest fees whiled the process was being negotiated. I signed All paperwork regarding the settlement to be told after the fact that no negotiation would be done until accounts were 120 to 190 days delinquent. I then explained to the agent who was setting up the financial statement that I was misinformed and to cancel the agreement.