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    College Loan Freedom

    4.5 (27 reviews)
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    Ask the Community - College Loan Freedom

    Review Highlights - College Loan Freedom

    Larry Morris, CEO and Founder of College Loan Freedom was able to help me reduce my required monthly payment to $0!

    Mentioned in 24 reviews

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    Concierge Credit Solutions - Cam Reynolds

    Concierge Credit Solutions

    (5 reviews)

    Anthem

    So, my situation is a little different from most. My credit wasn't in shambles, and I wasn't trying…read moreto buy a house or finance a car--I was simply someone with decent credit who wanted it to be excellent. Less than a year ago, I had a collection account from a closed line of credit, a charged off credit card and a few late car payments on my report. My main concern was the collection--I honestly wasn't too worried about the other items, but Cam recommended taking a holistic approach. Instead of focusing on just one issue, he suggested addressing everything at once. Several months later, my credit reports with all three bureaus are clean and clear, with all negative items either removed or updated to positive. Whether you're working to repair bad credit or you have okay credit and want to elevate it to excellent, Cam is the person to call. It's a process, and it doesn't happen overnight--but he delivers results. I truly can't express enough how much he's done for me.

    This is a follow up to my first review and I stand by it and Cam! Cam has stuck by us during the…read moredifficult time of getting a REFI going, helping us find the right people to get the loan successfully through the process from all the "gory" details of listing debts, getting the right people - in this case, Charity Maupin senior loan advisor of New American Loans, to take this somewhat difficult ReFi across the finish line to the Signing yesterday. Cam made it a point to be there to introduce himself and to watch over the proceedings. If you have credit issues, Call Cam!

    eCreditAdvisor - The American Dream can be yours!

    eCreditAdvisor

    (7 reviews)

    My experience with eCreditAdvisor, specifically working with Todd and Brandon, has been one of the…read moremost frustrating and disappointing experiences I have had while trying to improve my financial situation. My fiancé and I are first-time homebuyers, and like many young families, we are actively working to rebuild our credit and create a stable future for our child. We came into this process hopeful, motivated, and ready to follow professional guidance. Unfortunately, what we received instead was inconsistent communication, misleading information, and a complete lack of clear direction. From the very beginning, we were told that we had "potential" and that there were ways to improve our situation. However, as time went on, the information we were given constantly changed. We would be told one thing in one conversation, and then something completely different in the next. There was never a clear, step-by-step plan provided--no structure, no timeline, and no transparency on what actions we should take or what results to expect. One of the biggest concerns was the lack of attention to our current credit situation. Instead of reviewing updated, accurate information, it felt like decisions and advice were being based on outdated or incomplete details. When you are trusting a company to help you repair your credit, you expect them to evaluate your situation thoroughly and provide guidance based on your most recent and relevant information. That did not happen here. Throughout this process, we felt like we were being led in circles rather than being guided toward a real solution. As clients, we should not have to constantly question the advice we are being given or feel like we are not being heard. Credit repair is supposed to be about education, strategy, and support--especially for individuals who are actively trying to improve their financial standing. Instead, we felt dismissed and unsupported. It was also extremely discouraging to feel like, as young buyers trying to better our lives, we were not taken seriously. This process is already stressful enough, and instead of feeling empowered, we were left feeling confused, frustrated, and misled. At the end of the day, we were looking for honesty, consistency, and a clear plan of action. Unfortunately, that is not what we experienced with eCreditAdvisor. Because of the lack of transparency, conflicting information, and overall poor communication, I cannot recommend their services. I will also be taking further steps to report this experience, as I believe other individuals and families deserve to be fully informed before making a decision to work with this company. If you are considering credit repair services, I strongly encourage you to do thorough research, ask very detailed questions, and consider multiple options before committing. Make sure you are working with someone who provides clear, consistent guidance and truly takes the time to understand your current financial situation. This was not the experience we were hoping for, and I sincerely hope others do not have to go through the same frustration.

    This company is all about your money. Minimal communication until its time to pay. Worst experience…read moreand 1100 dollar investment in my life. Just chatgpt how to get your credit up. Its more helpful.

    Plusfour - This is me after our phone call, y'all be safe out there!

    Plusfour

    (11 reviews)

    Anthem

    People did not care to resolve an issue that was not even my wife's fault treated us like crooks it…read morewas an insurance problem that was not even our fault but they didn't seem to care to help us on this situation poorly managed company no empathy at all

    Just found out what was charged to my debit card from plus four Inc got a phone call back in…read moreOctober 2024. i did have a hospital bill that i spoke to sunrise hospital about and was going to pay. The amount was in excess of 4500. But i was in the process of moving after speaking to the hospital billing they were going to call me back so i can pay. And sent this to collections. 3 days ago i checked my bank statement from October 2024 and found out they charged my account for 3700 and change for the hospital bill. And 1677 for i don't know what, i think she said lawyer fees that she was going to wave. Checked BBB and guess what they are not a credited business. The district attorneys office will prosecute them for faulty business practices. Sunrise hospital does not work with you I had no medical insurance and they expected payment of half up front. My bill was 154000 bucks and was reduced for no medical insurance to around 12000 bucks. After paying both charges of those amounts, i received a call from sunrise expecting the rest of the amount owed. well i said you are going to have to wait. i went back to work in December of 2024 after recovering enough and got some savings built up again and paid the rest. By the way i was not eligible for Medicaid i had just sold my house in November 2023. but i Bought another place and was running a little lite on funds i still had some cash saved in savings that they didn't need to know about. i still needed money to live on. They wanted me homeless and didn't care so i believe this is contributing to that situation. I'm also in this situation again. just spoke to team health for DR fees of 1687 after going to the hospital in dec of 2025. Don't think they are going to wait. again and I'm looking for another job.

    College Loan Freedom - debtrelief - Updated May 2026

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