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by Mr St. Clair III

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. 🙏🏽

by LaRata2005

This company is deplorable in their business practices. They pray on individuals who are in financial straits, and they will cause your life to be in much more severe Financial trouble. They might try to sell you this pipe dream that they are doing you something amazing and spectacular, but they will leave your credit in the gutter and they will use the money that you supply to them to make themselves and only themselves rich you getting out of debt is of the last concern of theirs. The only concern they have is Taking your money as much as they can. I spent over $10,000 with these criminals only to have them settle one out of nine of my accounts before your accounts are even settled. They will have helped themselves to 25% of your debt amount!!! you pay in to this service and they supposedly are supposed to use the funds to negotiate with your creditors But instead they deplete your funded account to pay themselves a tremendous amount of money and leave with your creditors many of them not even contacted whatsoever after a whole year of business. I eventually had to file bankruptcy because of the condition that they left me in.

by Anner_9

This company has good intentions and good people, but they are way too unrealistically optimistic. I have gotten a huge sense of false advertisement. I was told that best case scenario, my debt would be reduced prior to being settled. Ok cool whatever. The problem comes in when they weren’t able to even settle ANY of my accounts. So they offered me a personal loan for consolidation from Above Lending (high interest rate mind you…) decorated and sugarcoated as a “graduation loan for having a good payment record.” It was nothing but a disguise for Beyond’s inability to settle my accounts. Ok cool whatever. The part that really got me is when I tried settling my last account. I WAS PROMISED that the fees and interest from these creditors (since Beyond advices you to quit making payments upon starting the program) would NOT have to be paid. Turns out that I have to pay even MORE than the agreed upon amount. I understand that it’s ultimately up to the creditor, but this company is very much at fault of UNREALISTIC OPTIMISM that toys with the line of FALSE ADVERTISEMENT. All in all, there are better and more wise methods of debt settlement. I strongly advocate against this company’s debt settlement program.