Last updated: March 2026
Affiliate Disclosure
GetCreditNow.com is a participant in affiliate programs, including the National Debt Relief affiliate program through ShareASale. This means that when you click on certain links on our site and are accepted into a debt relief program, we may earn a commission.
This comes at absolutely no additional cost to you. The services you receive and the prices you pay are the same whether you arrived through our site or directly. Our affiliate relationships do not increase the cost of any product or service for our readers.
We recommend services based on thorough research, the provider's reputation, accreditations, and our genuine desire to help our readers find financial relief. However, our affiliate relationships may influence which services we choose to review or recommend. We strive to be transparent about this at all times.
Financial Disclaimer
GetCreditNow.com provides educational content only. We are not:
- A licensed financial advisor or financial planning service
- A credit repair organization as defined by federal or state law
- A debt relief provider, debt settlement company, or debt management service
- A lender, bank, or credit card issuer
- A law firm or provider of legal advice
The information on this website is for general informational and educational purposes only and should not be construed as professional financial advice, tax advice, legal advice, or any other type of professional advice. Always consult with a qualified financial professional, tax advisor, or attorney before making decisions about your finances, debt, or credit.
No Guaranteed Outcomes
We do not guarantee any specific outcomes from using the services or strategies discussed on this site. Debt relief results vary based on individual circumstances including:
- The total amount and type of debt enrolled
- Your specific creditors and their willingness to negotiate
- Your financial situation and ability to make program deposits
- The state in which you reside
- Market conditions and creditor policies
When we cite potential savings (such as "up to 50% debt reduction"), these represent typical program results as reported by providers but are not guaranteed for any individual. Your actual results may be higher or lower.
Testimonials & Success Stories
Testimonials and success stories on this site represent potential outcomes based on typical program results. They are not guarantees of specific results. Individual experiences and outcomes will vary. Some testimonials may be representative examples rather than actual customer stories, and are used to illustrate common situations and potential outcomes.
Third-Party Links
This site contains links to third-party websites, including the websites of our affiliate partners. We are not responsible for the content, privacy practices, or accuracy of information on external websites. When you leave GetCreditNow.com by clicking an external link, you are subject to that site's terms and privacy policy.
Credit Score Impact
Some of the debt relief strategies and programs discussed on this site may negatively affect your credit score. Debt settlement, in particular, typically has a negative short-term impact on credit scores. We strive to clearly disclose these potential impacts in our content, but you should thoroughly research and understand any credit implications before enrolling in any program.
Tax Implications
Forgiven or settled debt may be considered taxable income by the IRS. If more than $600 of debt is forgiven, your creditor may issue a 1099-C form. Consult a qualified tax professional to understand the potential tax implications of any debt relief strategy.
Service Availability
National Debt Relief's debt settlement program is available in most US states but is not available in Connecticut (CT), Oregon (OR), Vermont (VT), or West Virginia (WV). Program availability and features may change without notice. Verify current availability directly with the provider.
Contact
If you have questions about this disclosure or our editorial practices, contact us at hello@getcreditnow.com.