How First Advantage works
First Advantage is a debt-relief consultation service used most often by people carrying credit card balances. It is not a lender, debt-settlement company, or credit-repair organization. Instead, it connects consumers with third-party debt-relief providers and helps them understand, in plain language, which programs they may qualify for. The stated goal is calm, credible guidance with no pressure, so you can see your options clearly before deciding anything.
Tell us about your debt
Answer a few quick questions about your credit card balances and anything else you owe. It takes minutes and does not affect your credit.
Review your options
A specialist explains the programs you may qualify for in plain language, with no jargon and no pressure.
Move forward with a plan
Choose the path that fits your situation, or walk away. There is no obligation to enroll.
According to First Advantage, more than one million consultations have been requested and over one billion dollars in debt has been enrolled through the programs it connects people with. There is no cost to get started, and the process is described as 100% confidential with bank-level security.
Who First Advantage is for
The service is aimed at people who are facing credit card debt on their own and want straight answers before choosing a path. It can be a fit if you:
- Are carrying credit card balances you are struggling to pay down, and may also have other unsecured debt such as personal loans or medical bills
- Want a specialist to review your options with you before you commit
- Prefer to compare debt-relief programs without pressure or obligation
- Want to check your options without affecting your credit
Because First Advantage connects you with third-party providers, the exact program, fees, and terms depend on the provider you are matched with. Results vary and are not guaranteed, and programs may not be available in all states. The specialist confirms what is available for your situation during the free consultation.
Not sure where to start? The consultation is free, confidential, and takes only a few minutes, with no impact to your credit to check.
Start My Free ConsultationPros and cons
Pros
- Free, no-obligation consultation
- Checking your options does not affect your credit
- $0 to get started
- A specialist reviews your options in plain language
- 100% confidential with bank-level security
- Support from the first call through your plan
Cons
- Not a lender or provider itself; connects you with third parties
- Program fees and terms depend on the provider you are matched with
- Results vary and are not guaranteed
- Programs may not be available in all states
- Enrolling in a downstream program may affect your credit
- No rates or minimum debt amount published up front
First Advantage vs. AmONE vs. Money.com Debt Relief
Each of TrueRateGuide's featured debt providers serves a different need. Use the comparison below to see which one fits your situation best.
| Factor | First Advantage | AmONE | Money.com Debt Relief |
|---|---|---|---|
| Product type | Debt-relief consultation and matching | Consolidation loan marketplace | Debt settlement |
| Cost to start | $0 | $0 (free comparison) | $0 |
| Credit impact to check | None | Soft pull only | None to check |
| Who provides the program | Third-party providers | Lender partners | Settlement partners |
| Consultation | Free, no obligation | Free comparison | Free consultation |
| Best for | Seeing your options clearly | Fair-or-better credit | $20,000+ in unsecured debt |