Help One Credit has been helping consumers with their unsecured debt settlements since 2002 and has a good track record as they have no complaints with the Better Business Bureau and have an A+ rating.

While this does not guarantee that you will have a satisfactory experience with Help One Credit, it is a good sign and at least gives you comfort in that they have a good track record on which to depend.

Quick facts about Help One Credit:

Founded in: 2002

Years in Business:  7

Number of employees:  Not disclosed

BBB Rating:  A+

BBB complaints:  None

Free Information:  On their website you will find a toll-free number to call or an email address.

Escrow or Payment Plan Available:  The fee that they charge is collected from the monthly payments that you make within the first 12 to 15 months of the program.  They state that their fees and costs are fully disclosed at the beginning of the program and are included on the agreement that you are required to sign.

Source of Funds:  Monthly payments from your income sources.

Fee Structure:  Help One Credit charges 15% on the total amount of debt that is entered into the settlement program. 

Avg Settlement:  Not disclosed.

Refund Policy:  None given.

About the Company

Help One Credit has been helping customers with their debt settlement efforts for 7 years and has what appears to be a good reputation.

Beginning the Process

On their contact page on the website, they only provide a toll-free number and an email address.  There is no form to fill out on the website itself which is a departure from other company’s websites.  Also, you have to click on their “Contact Us” link in order to get to this information.  It is not placed on the home page.

Types of Debt Serviced

Unsecured only.

Worth Noting

Help One Credit is emphatic in their insistence that all credit cards placed into the program be closed.  Also they strongly suggest that other cards that are not placed into the program are reserved only for emergency use.  And if that is not enough, they also will not allow you to apply for other credit because of the effect that it will have in negotiating with your creditors.

Program Caution and Your Responsibilities 

You must be wary of the costs and fees of this or any other debt settlement program.  Also, you are required to adhere to truthful submission of information as well as a commitment to making your monthly payments as agreed.

Will Debt Collectors Still Call? 

Yes, but they state that they are successful in stopping most if not all of the calls.

Other Information 

Help One Credit appears to have a good program although the website does not appear to offer as much information as do other sites.  This might be in the way it is laid out with links inside of each page that you have to pay attention to in order to make sure that you see all of the information offered.

This appears to be a debt settlement company that is worth a look.  Make sure you ask any questions and find out all that you can before entering into an agreement with them to help you with your debt.