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A soft credit pull does not affect your credit score.Due to varying state regulations, National is not available in these states: Connecticut, Georgia, Kansas, Maine, New Hampshire, Oregon, South Carolina, Vermont and West Virginia.

Minimum debt requirement: National Debt Relief requires a minimum of ,500 in unsecured debt to qualify, the same amount as Freedom.

Furthermore, each settled account will be listed on your credit reports for seven years from the date the account first became delinquent, which can also hurt your credit scores.

You may still hear from creditors or debt collectors: There’s no guarantee your creditors will want to work with National Debt Relief, and you may be contacted by debt collectors or even be sued by creditors during the process.

Customer experience: The company is accredited by the Better Business Bureau with an A rating and around 80 customer complaints in the past three years.

The complaints centered on problems with the product or service, billing and collection issues, and advertising and sales issues.

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