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Overall Satisfaction Rating 4.46/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 124 ratings submitted in the last year
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Whether you are facing insurmountable debt due to job loss, divorce, sickness, loss of income, or one of many other reasons, CreditAssociates is here to help. As the industry leaders, CreditAssociates works with clients to provide fast and affordable debt relief. Our proprietary electronic debt-settlement software coupled with our team of debt advisors provide the system you need to work towards your custom debt relief solution. We provide free consultations for a wide-range of debt needs including credit card, medical, personal loans and more. Additionally, utilize our mobile app to track your progress 24/7 and instantly your timeline to being debt-free.

Enroll today to join one of tens of thousands of people we have worked with to get out of debt in 24-36 months.

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CreditAssociates is an innovative debt relief company that works with consumers who have $10,000 or more in unsecured debt. Although you have to pay a portion of the settled debt, 24/7 customer service and the potential for financial freedom may be worth it.


  • Apple and Android app
  • 24/7 customer service
  • Free initial consultation


  • Services not available in all states

Top CreditAssociates Reviews

Rated with 5 stars
Verified Reviewer Verified Buyer

The reps that I got to work with were very professional and had all the answers to my questions. Getting started with CreditAssociates has given me a huge sense of relief. They should continue doing what they’re doing.

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Rated with 5 stars
Verified Reviewer Verified Buyer

CreditAssociates has been wonderful. I had been thinking about the program for six months. I did my research with it and it seemed like it was fair. It was great, 100% all the way across the board. CreditAssociates was to the point and very professional.

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What is CreditAssociates?

CreditAssociates is a leading company in the debt settlement industry, having settled over $1 billion in debt. They are AFCC certified, and C & B Credibility Corp verified. CreditAssociates specializes in settling credit card debt and medical expenses. 

The CreditAssociates debt settlement process should take 24 to 36 months to complete. During this process, CreditAssociates negotiators will work with your creditors to reduce the amount of debt owed. Though it might seem like a long time at first, taking 2 to 3 years to become debt-free is a goal worth achieving.

How does CreditAssociates work?

CreditAssociates offers a free financial consultation where you can discuss what qualifications are necessary for you to become one of their clients. Once they come up with a savings plan for you, you can analyze and decide if you want to move forward with their debt settlement services. You must have over $10,000 in debt to qualify for CreditAssociates and be able to make regular settlement payments.

If you choose to enroll, CreditAssociates will immediately start negotiating with your creditors. Once you have enough funds in your account to pay a settlement, CreditAssociates will then coordinate your debt settlement payment.

CreditAssociates services

CreditAssociates offers financial consultations and debt settlement services. Having a large amount of debt should not be a deterrent to working with CreditAssociates — they have vast experience dealing with large amounts of debt. Their goal is to take you through a debt settlement program in 24 to 36 months, though this is not guaranteed since each debt settlement case is different. Most CreditAssociates clients can become debt-free after paying a fraction of their original debt thanks to CreditAssociates’s debt negotiators. CreditAssociates will not charge you a fee until your debt is settled.

CreditAssociates FAQ

How much does CreditAssociates cost?
Typically, CreditAssociates charges clients 15-25% of the settled debt amount. Exact costs and fees depend on the size of your debt and the extent of your settlement. You can undergo a free consultation to learn more about specific charges and fees for your particular case.
How does CreditAssociates affect your credit?
Your credit will likely suffer after undergoing debt settlement services with CreditAssociates; however, this is true of any debt settlement process. If you stop making payments to your creditors, your credit will suffer even while you work to recover from your financial difficulties. However, many people with large amounts of debt still opt for debt settlement since it can save them a lot of money. If you aren’t looking to buy a car or house in the near future, it's a good option.
Where are CreditAssociates services available?

Some applicants will not qualify for their services. Even if they can’t do business with you, CreditAssociates can refer you to an accredited service provider equipped to help you with debt relief services.

  • Alabama
  • Alaska
  • Arkansas
  • Arizona
  • California
  • Washington D.C.
  • Florida
  • Hawaii
  • Indiana
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Missouri
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Pennsylvania
  • South Dakota
  • Tennessee
  • Texas
  • Virgina
  • Wisconsin
Do you qualify for CreditAssociates debt settlement?

To qualify:

  • You have at least $10,000 in unsecured debt
  • You can make regular settlement payments
  • You can take 24-36 months to settle your debt
  • You can eventually pay 15-25% of your settled debt to CreditAssociates

Is CreditAssociates any good?

CreditAssociates has received excellent reviews on, and their clients praise the professionalism and expertise of CreditAssociates representatives. Although CreditAssociates clearly state there is no estimated savings guarantee, they have saved clients over $1 billion in debt. Their website remains somewhat ambiguous in terms of costs and fees, though they do offer a free consultation where numbers can be discussed. We recommend CreditAssociates if you’ve decided debt settlement is necessary.

CreditAssociates Reviews

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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: Jan. 15, 2020

I was in need of debt solution and CreditAssociates was the only one who sent me mail in regards to it. They seemed to have a lot of good stuff that could really help me. They could reduce the debt and they could also put everything together and for one small payment, which was awesome. The customer service rep was amazing. She told me what they do and how they do things. It was an awesome experience. She made my day. And then, she told me that I was gonna get call a couple of days after when it came to setting up the whole process and the whole savings account through my bank account. They called me but it wasn’t at the best time because I was at work. I asked them if they could give me a call later, but they never did. So, I do not have any money in the savings because I don’t know how to do it.

I know that once a certain amount of money have been saved up, that’s when they start to call the people from the credit cards themselves. But until that happens, I just wonder what happens because I still get letters saying that I haven’t paid. So, does the call happen immediately to let them know what's going on, and then a recall for payment? That part was a little unclear and it would be helpful if that could be explained a bit more.

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10 people found this review helpful

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Dec. 6, 2019

    I had a high amount of debt, and I was trying to see what CreditAssociates could do to help me if I qualified for help. So far, so good. I got my little packet the other day. The rep was patient with me and answered any question that I asked him. He explained everything pretty good. He had a nice personality and was very informative. Working with them took a load off my back.

    It's working once you pay all those years and pay that money to get yourself out of debt. You might have to suffer a few consequences, but the thing is, you have to suffer a little bit to better yourself. And I figured that they help me out from what I saw and explained everything to the T, down to the dollar, that it was gonna be paid this and that. I felt comfortable, ‘cause I don’t feel anything was out of place. There are people that I know that are in the same shoes that I am, and I tell them the amount of debt that I was in and the way CreditAssociates explained it to me, and that they can go look at the reviews too.

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    6 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 11, 2019

    I just signed up with CreditAssociates. I knew I have to get out of my situation with my credit card. I’m disabled, and I was supposed to have died last year, and I didn't. And so, I’m gonna stick around for a lot longer than I ever planned to. So, I better take care of this before I do die. After I found out what CreditAssociates is doing, there's gotta be a better way to do what they're doing. What they do is they start collecting money from you to settle each card. Then, you do pay the credit card people, and then, they get desperate enough that they wanna settle, and these guys were there, saying, “Hey, look. We've got this amount of money. Will you take it?” And they’ll say, “Yeah.”

    There’s gotta be a quicker, less harmful way between where we’re going and what we have to do to get the credit card companies to where they wanna do it. But other than that, it’s fine. The reps from CreditAssociates bend over backwards, they're very nice people, and they sent me information like they said they would, and now, I'm just waiting for their first drawdown, and they're going to draw their money out in about 10 days. I have recommended CreditAssociates to other people.

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    8 people found this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 2, 2019

    I got on the computer looking for credit consolidation. I found CreditAssociates and I called them. I was a little hesitant because the guy that I spoke to seemed to be just doing the steps instead of really comforting me as far as if CreditAssociates is legit. He seemed in a rush to do it. And so, that brought up kinda red flags for me. He needs to assure a person much better than what he does. I got some information but I didn't give him the bank account information right then and there because I felt a little uncomfortable. I told him I'd give them a ring the next day.

    The next day, I didn't call them because I had a doctor’s appointment. I called in the following day, but I tried to look up to find out some information about them. After going through the process, I felt a little more comfortable. And I was feeling a little more relaxed with the next person that came on that read off everything and had me do initial certain things. With the information I got in the mail, I feel comfortable with CreditAssociates and I’m glad they were able to do something for me. Everybody was helpful.

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    6 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: July 11, 2019

    The reps from CreditAssociates were very professional and informative. Kevin was the first one I dealt with. He was versed in the information that I asked him and he answered all of my questions. Three other people called me to keep me updated and let me know it was going forward. I finally got my last call saying that I was accepted and everything was good. I wanted to get out of debt with what I have in a year and a half. I asked them how much that would cost to do that. They told me that if I kept up with the payments, I will be out of debt in approximately the time that I asked for.

    I just started with the program and they were supposed to take a draft out on me on the 20th, which I know was a Saturday. But they still haven’t taken that out. Still, I'm very satisfied and happy with their service. It will impact my life when it’s all done. It's gonna be great and if everything goes through, I'm looking forward to getting out of debt. I would tell anybody if they asked me about anything with their debt loan.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 7, 2020

    Good treatment from the representatives, very easy and simple to filled for consolidation. Very good rates and big decreases in interest of all our credit cards; ten credit cards, me and my wife. I’m so happy that I signed the contract with credit association. Thanks for your best service.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 5, 2020

    I worked with a CreditAssociates rep who asked me several questions and basic stuff. It was also easy to get ahold of him. I feel really good with CreditAssociates. I make the payments monthly to get rid of credit debt. They also told me they want to call me today or tomorrow to do all the saving for my account. That’s where I am right now and I’m just waiting for the phone call so we can start the process.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 3, 2020

    I was trying to straighten out my credit and CreditAssociates handled everything great. They were very informative and I was impressed with their professionalism. They have relieved a lot of stress off of me. I wish we had known that they existed even before. I didn’t have a smartphone until my niece got me one, and that was how I learned about CreditAssociates.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 1, 2020

    We just started with CreditAssociates and the reps I talked with were both very informative.

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    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 25, 2020

    I spoke to a guy and a girl who were working together for CreditAssociates and they were very polite and informative. They did a good job explaining their program to us. However, we changed our mind and we're taking care of things another way.

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