10 Reasons To Choose Bright Credit

Not sure what kind of help is right for you? Take advantage of our free confidential consultation. We’ll evaluate your situation and give you objective recommendations – free and with no obligation.

Experience

We have over 25 years of experience settling debt. We come prepared with a small army of negotiating contacts, which means you’ll pay back the lowest possible amount of money. The average creditor settles for 40-50% of what you owe. Since Bright Credit has been in business, we’ve averaged 40% of the principal on millions of dollars settled.

Better Business Bureau

While most Better Business Bureaus are biased against Debt Settlement companies (they’d rather you do a Debt Management or CCCS program), it’s still a good source to check out any company to see how many complaints that they have. We have an A+ rating and zero complaints while most other companies have many complaints.

Transparency

One of the hardest things to decide is which company to trust. We go over the program in detail with you (Pros & Cons) telling you what other companies don’t want you to know.

Lower Fees

Our fees are lower than almost any other company offering debt settlement services. We also settle for less than most of our competitors. That’s where you’ll save the most money.

Credit Repair

Once you’re finished with the Debt Settlement program, we offer a separate optional credit improvement program. Few other companies also offer credit repair. Not sure what kind of help is right for you? Take advantage of our free consultation. We’ll evaluate your situation and give you objective recommendations – free and with no obligation.

Settlements

We settle your debt beginning with the biggest accounts, working down to the smallest accounts. Most inexperienced companies do it the other way around. Who’s more likely to sue you? The one that you owe the most money to or the least? We also know which creditors are more aggressive, so we settle those first.

Our Negotiators

Most companies now outsource either the negotiations and or the customer service. Some companies are just sales companies that sign you up but don’t take care of you. The Bright Credit team handles everything in-house and doesn’t outsource your financial future.

Cease & Desist and Power of Attorney

We don’t contact your creditors upfront. Companies who don’t know what they’re doing will send a Cease & Desist letter or a Power of Attorney to your creditors notifying them that you’re in a Debt Settlement program. Don’t do this unless you want to be sued.

Who's Holding The Money

There are two escrow models in Debt Settlement: most companies hold your money in a trust or escrow account, while a small number of companies let you hold the money. We let you hold the money. That’s the safest way to do it, and it saves you bank charges and fees each time an account is settled.

Excellent Customer Service

You’ll be dealing with experts all the way through the program. We hold your hand throughout the process, from start to finish. Our team has been helping clients settle their debt since 1997, longer than almost any other company.

Bright Credit offers a free, honest consultation to discuss your options.

Our team of experts have over 25 years of experience, and have helped thousands of consumers and businesses get free of debt including private student loans, medical bills, unsecured personal loans, credit card debt, and more.

We’re consumer advocates offering a free, confidential consultation to provide answers to any debt, private student loan, or credit repair questions you may have.