error This company may not service all states.

CreditAssociates is a debt relief company that specializes in settling credit card debt. According to the company’s website, it has helped thousands of customers settle millions of dollars worth of debt. The company says the length of its debt settlement program depends on each client's financial situation, but that it can help most customers become debt-free in 24 to 36 months.

CreditAssociates offers only debt settlement, not other debt relief services such as debt consolidation or debt management plans. CreditAssociates customers set up a special savings account, where the customer makes monthly deposits. Eventually, once the account has enough money, the debt settlement company negotiates with each creditor to lower the client's debt amount.

Because CreditAssociates only offers debt settlement, it can only help with unsecured debts such as credit card debt and personal loans; the debt settlement company can’t help with secured debt like a mortgage, auto loan, or home equity loan.

The Good

  • Free Consultations
  • Online Account Access
  • Accreditations
  • Performance-Based Fees

Free Consultations

CreditAssociates offers free consultations to help potential clients decide whether its debt settlement services are right for them.

Online Account Access

CreditAssociates customers can access their accounts online, giving them 24/7 access to information and resources.

Accreditations

CreditAssociates boasts accreditations from the American Fair Credit Council and the International Association of Professional Debt Arbitrators, two important organizations in the debt relief industry.

Performance-Based Fees

CreditAssociates doesn't charge clients any upfront fees. The company only charges a performance-based fee after it has negotiated, and the client has accepted, a settlement offer with one of the customer's creditors.

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The Bad

  • State Availability
  • Limited Pricing Information
  • Must Demonstrate Financial Hardship

State Availability

CreditAssociates offers its debt settlement services in 42 states. 

Limited Pricing Information

According to the CreditAssociates website, the company doesn’t charge any upfront fees; it only charges a flat performance-based fee after the customer accepts and funds a settlement offer. However, CreditAssociates doesn’t detail how much that fee is.

Must Demonstrate Financial Hardship

CreditAssociates customers must demonstrate financial hardship in order to use the company’s services. The company doesn’t provide details about this process on its website, except to say that customers must substantiate and prove their financial hardship.

The Bottom Line

CreditAssociates  provides debt relief to customers struggling with unsecured debt. The debt settlement company helps clients through debt negotiation over an average period of 24 to 36 months, only charging customers a flat performance-based fee after their debt has been settled. 

The company has several important accreditations, including from the American Fair Credit Council and the International Association of Professional Debt Arbitrators. Additionally, the company offers 24/7 access to its online system, where customers can access helpful resources. 

Although it doesn't offer details about its pricing on its website, potential customers can learn more through CreditAssociates' free consultations. If you're looking for debt relief and you live in one of the states where CreditAssociates is available, the company is worth looking into.

We'll Introduce You!

Call our recommended rep over at CreditAssociates below.

1-(888) 817-0548

CreditAssociates Frequently Asked Questions

Why can’t I just file for bankruptcy?

You could, but bankruptcy is usually used as a last resort due to the many negative long-term effects that often result. Filing for bankruptcy can impact your ability to secure a home loan, apply for new credit, and even employment opportunities. It’s also important to note, that depending on which chapter of bankruptcy you qualify for, you may still be required to pay back all or some of your debt.

Do I have to include all my credit cards in the program, or can I pick certain accounts to resolve?

We typically recommend resolving all of your unsecured debt at once. This helps you get on the path to financial freedom more quickly and makes it easier to negotiate with your creditors. During your debt consultation, we will help you decide on the best approach.

Do you only resolve credit card debt?

No, credit card debt is just the most common debt type we work with. We also enroll any unsecured debts you may have (debts not backed by collateral), such as medical bills, etc.

How do I enroll? Do I have to call?

Sign up for a free debt consultation via the online form and a Debt Consultant will give you a call. Since there are many details to discuss, a phone call is currently the only way you can be enrolled into the program. With a quick 10-minute phone call, our team can provide you with your personalized debt relief plan which will outline exactly how much money you can save.

User Reviews

Star Rating

4.4
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305 Reviews

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Cecil prince

January 2nd, 2021 Heber Springs, AR DETAILS arrow_drop_down
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Can no longer access my account. Customer ID and password no longer work. This has been a continual problem with the web site

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Milton mallory

December 22nd, 2020 DETAILS arrow_drop_down
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I am very pleased with the services I receive.they are very punctual when questions arise on my account.I'm very happy to have them .

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Alesia Wittig

December 22nd, 2020 DETAILS arrow_drop_down
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After making a settlement with the 1st creditor, ADDITIONAL Monthly money was asked to settle other creditors and YOUR FEES ARE TOO HIGHT

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Randy Trierweiler

December 22nd, 2020 DETAILS arrow_drop_down
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Very professional and helpful. I've been with them a year and a half so far.

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Melissa

December 22nd, 2020 DETAILS arrow_drop_down
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They have been easy to work with and very professional.

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Hector Cerda

December 22nd, 2020 DETAILS arrow_drop_down
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Very professional staff eager to help and answering all questions and doubts promptly and properly

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Patricia Morris Avant

December 22nd, 2020 DETAILS arrow_drop_down
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One incident changed my whole opinion of this company. Some things should be explained better.

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Peggy Miller

December 22nd, 2020 DETAILS arrow_drop_down
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Good. They are available to talk when I need them

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Saul Saltares

December 22nd, 2020 DETAILS arrow_drop_down
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It's been easy but could use some more updates and communication

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Anonymous

December 22nd, 2020 DETAILS arrow_drop_down
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No follow up or status. Credit score became worse after using them

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Trevor

December 22nd, 2020 DETAILS arrow_drop_down
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It's been as good as I hoped for. The communication and service are outstanding.

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Tammy

December 22nd, 2020 DETAILS arrow_drop_down
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They provide great customer service and are always friendly when I call and have a question.

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Omar Sahir

December 22nd, 2020 DETAILS arrow_drop_down
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very good at negotiating. I can not wait to be debt free

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Edwin Vives

December 22nd, 2020 DETAILS arrow_drop_down
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Great!! so far.Very professional staff,they save your money

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Velma McDaniel

December 22nd, 2020 DETAILS arrow_drop_down
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They are good and professional also credit associates help clean up your credit very quickly and that gives you peace of mind

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Simone Seib-Horn

December 22nd, 2020 DETAILS arrow_drop_down
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It's been a pretty good experience so far. I just don't know what's going on with my last two loans.

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Mary L Richardson

December 22nd, 2020 DETAILS arrow_drop_down
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When I didn't know which way to turn, CA was there with a confidence that it could be worked out. Being a fairly new widow, I was dealing with pain and confusion, I think they sensed it and were professional, kind

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Margaret Ballinger

December 22nd, 2020 DETAILS arrow_drop_down
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So far they have done a great job hope it continues to the end

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Marie Renee Lambert

December 22nd, 2020 DETAILS arrow_drop_down
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Very good because of that my score getting better

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Tamara Thomas

December 16th, 2020 DETAILS arrow_drop_down
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Great, excellent customer service, and very helpful!!

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Peggy Jones

December 16th, 2020 DETAILS arrow_drop_down
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They are very professional and experts at navigating you through what is necessary to help you with you credit issues.

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Darwin

December 16th, 2020 DETAILS arrow_drop_down
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That have been great, they have answered all my questions. Even when I have called back with questions they were patient and Courteous

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Anonyous

December 16th, 2020 DETAILS arrow_drop_down
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Credit associations has been great and good quality customer service

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Mel S.

December 16th, 2020 DETAILS arrow_drop_down
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Not to easy to talk to, seem to be unable to deal with immediate questions and last work they did was because I called them repeatedly until they finally made agreement! Still have a few to go, will follow up at the end of this lengthy process! Will follow up when we are done.

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Stacie Torres

December 16th, 2020 DETAILS arrow_drop_down
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Good so far! I've been with the program for over a year now. My only concern is they need to communicate more with their clients. I'm always calling to ask/find out information. It would like to great a summary at least once a month.

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Dorothy Mitin

December 16th, 2020 DETAILS arrow_drop_down
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Very informative & professional especially starting out when I talked wth Ava

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Melanie

December 16th, 2020 DETAILS arrow_drop_down
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They are slow to get accounts into the program

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Anonyous

December 16th, 2020 DETAILS arrow_drop_down
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Very positive experience getting my credit card debt paid down.

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Sheri Ramsey

December 16th, 2020 DETAILS arrow_drop_down
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Pleasant and helpful. Reduced my debt in half.

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Mark

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good communication since my initial inquiry.

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Barbara wood

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Very helpful and always going above and anytime I call they are patient and very helpful

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Michele Thomas

December 16th, 2020 DETAILS arrow_drop_down
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So far doing good. Y creditors have not been calling anymore. I suggest that if you can pay extra to do it and get your settlements out of the way. Put extra cash down whenever you can. They do what they promise and they will settle your debts.

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Maurice

December 16th, 2020 DETAILS arrow_drop_down
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Great people who care and are very informative

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Willie brown

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Very mature and to the point, when we talk I everthing is clear and by the end of the conversation I know what to exspect and look forward for another account to be handle with the proper care from that I can appreciate their knowledge because I know iam getting one step closer to change my life and be back on track with good standards to live better without the fear of a high paying account .

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Carolyn

December 16th, 2020 DETAILS arrow_drop_down
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I can see my credit score rising every month. This has been a Godsend for me.

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Marcia A Bryant

December 16th, 2020 DETAILS arrow_drop_down
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They always have the answers I need and easy to contact when I need them

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Rupert Victor Conlin

December 16th, 2020 DETAILS arrow_drop_down
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Great service,helpful .they really helped a lot

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Josefina Perez

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They have been with my every step of of the way. They have answered every question question have and when I I ever I call they answer right back. They awesome. And all always on on call

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Y. A. Theoret

December 16th, 2020 DETAILS arrow_drop_down
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Can not reach anyone to speak too about account changes.

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VP

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Very courteous and informative. I am kept aware of my status monthly.

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Clifton Beard

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Very professional and all information needed to solve all the problems that occur

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Fouzia Akbar

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Best service excellent jobs very good amount to pay

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Russell Carey

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My credit rating wasn't exactly great(600+] but by the time your company started dealing with my creditors my score dropped to just above 500. Thanks

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Patricia

December 9th, 2020 DETAILS arrow_drop_down
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With the nature of the business they do, they do it well. They are very good at explaining the whole process and answering questions. There are fees associated with it but they are upfront but it is not as much savings as you could have and there can be long stretches where you don’t hear from anybody.

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Patricia

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Credit Associates should be more upfront about their fees. I was very surprised by it. It is quite expensive. It is a valuable service but they charge twenty five percent of the total debt amount settled. I’ve gotten mixed messages when I’ve called for customer service.

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Shane

December 9th, 2020 DETAILS arrow_drop_down
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Considering that they’re going to save me about five grand and I don’t have to negotiate with creditors myself, I would say they are very trustworthy. They haven’t asked for anything beyond the information they would need to help pursue the settlement. They service they provide is top notch. They’ve worked with me every step of the way through each settlement. They let me know when they are ready to come to an agreement. It is clean cut and dry.

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Anonnymous

December 9th, 2020 DETAILS arrow_drop_down
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Once they got started, it seemed to be going well for other than that I did not think they were going fast enough. I would recommend them.

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Anonymous

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They care about people are want to help you. They give people help when they thought they didn have any. The associates that answers the phone and talks to people are courteous and kind and understanding.

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Theresa

December 9th, 2020 DETAILS arrow_drop_down

I wasn't too happy with the customer service because I don't know what they've done. They're not doing the things that supposed to be doing. They are delaying everything. It is a very slow process. I could probably do it myself.

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Sandra

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Very professional. If I have a question concerning my account, they are there to answer it. When I initially started the program, I thought I would be paying a certain amount every month but despite that I am on budget they call and ask me if I want to pay extra.