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Overall Satisfaction Rating 4.42/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 292 ratings submitted in the last year

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.


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 We Found

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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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CreditAssociates Get Started

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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2 featured reviews
How do I know I can trust these reviews about CreditAssociates?
How do I know I can trust these reviews about CreditAssociates?
  • 3,145,531 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: April 10, 2021

The rep explained everything to me and gave me an idea of what my monthly expense would look like per month to clear everything. I was risking giving up my cards but in the future, I could always rebuild my credit and reapply. At the time, I needed CreditAssociates. I noticed the changes right away since I started working with them. They started reaching out to the credit card people and working with them to minimize the amount overall in addition to just paying for the bills. On top of that, the communication was excellent because every time something was in the works, I was informed through either email or voicemail. I was always in the loop of what was going on and what was taking place. At times, I even had to approve things, which felt good. Everything has been paid already. I can't complain about anything.

I'm glad that I decided to do this when I did, because during this whole being home still a year and a half later, I have not been financially stressed with any bills, which is crazy because I'm not working and I have very little income. But it seems to be okay to survive and it feels good. But if I had those credit card debts, I would have been losing my mind and not being able to do what I need to do with buying certain items for the baby. I'm telling other people as well that are in a similar situation.

My credit score dropped but that was gonna happen anyway because I wasn't able to make more than minimum payments due. At times, I probably wouldn't have been able to make any payments. But now, I can rebuild because everything's been cleared up and paid off. Working with CreditAssociates took over the whole process and it was simple, easy and affordable. I was paying almost 1,000 a month in my bills and I was getting nowhere paying that much because I was paying minimums on so many cards. It went down to the 228 so, that was wow.

I don't have any bills right now and I hope not to get into debt again. But in the future, I will keep them in mind. I will also recommend them to other people because my whole experience has been stress-free, which is the main word in this whole situation when you're dealing with money and with living paycheck to paycheck especially during COVID where people don't really have much right now. It’s the best thing to do.

During the whole process, I was mainly speaking to the same people. But if I ever called the line to try to get through to call someone back, it didn't matter who picked up the phone because they all were equally knowledgeable of every single step by step. It's very personal with you. They work as a team. I don't know them face to face but the brief moments that we had through calls and emails were great. I have no problem. There's an account you will set up online so you can check out your stuff at your convenience, whenever you want, in the middle, to see what was settled, what's going on, what’s in progress, et cetera, et cetera. So, it was a great experience.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 25, 2020

    I got something in the mail and I read about it a little bit, and then I was weighing out my options on what I wanted to do on my end. But then, I realized that I was paying more interest than what the merchandise was. So, I called CreditAssociates and one of the representatives told me what they would do and what they can do. I figured it would be a good idea instead of filing for bankruptcy or just paying interest. I was overwhelmed with the bills that was coming in. I bought this home last year and I paid off all my credit cards and I got in it. But then, I was in my house with nothing. I figured that I'll furnish my home.

    Over a year, it got overwhelming. With the COVID thing and I was getting less hours in my workplace, I got behind a couple of times, but I always kept my mortgage payment going. I always heard about the snowball effect, paying the smallest one first off and then kind of catch up on the rest of them, but going through CreditAssociates is a little better because I can consolidate all of them.

    I only talked to a guy a brief moment just to get all my information and told me then what would be happening. "The creditors will be calling you. Don't talk to them, don't explain to them on what you're trying to do. Just say, 'Yes, I know I'm behind and I'll let you know when I can make a payment.'" I should keep it short and to the point. "I'll contact you when I can..." He said something in that manner. He told me, "Just keep it short. Don't stay on the phone with them trying to explain yourself on what you're trying to do." Then, once I build up a little bit of money in the account, CreditAssociates will discuss on what could be done. So far, it's been good.

    3 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 17, 2020

    The first individual I spoke to was Brian and he set me up. I have macular degeneration so my eyes are not that good but he was very helpful. The paperwork came through on an email and I just had to initial it. He explained everything. They go into the different accounts, talk to the creditors and they get the amounts down to a certain amount that they and the creditor agrees to. I'm putting $1,037 every month and they take it out of my checking account automatically. Global Holdings is the one that holds the money. One of the creditors said, "We don't know when you started, but if it's a for profit, they're going to keep collecting the money for a few months or more until they get what they want rather than immediately working on your behalf with the various creditors. So, it's lengthening the period of time that you're gonna continue getting late fees.” But at the set up, it was explained in the book that Global Holdings gets a $9 a month.

    A complaint with most people is the telephone calls you get from the creditors and you keep getting those. That's the only thing that is a headache sometimes. It would be a good idea for these type of companies to, as soon as possible, contact these creditors to say, “This is what's been done by this individual. We will be in contact with you.” Most of these companies, when I tell them I transferred my accounts and give them CreditAssociates' telephone number, they say, “We can't call them. They have to call us with an offer.” But the whole process is very well and I know CreditAssociates is working on my behalf. They're great. They've been very helpful and they've answered all my questions. They told me the plan will take four and a half years. I've only been in it two months and so far, I'm very happy with it. It's better financially, doing it this way. I have no worries.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 11, 2020

    I got a mail from CreditAssociates. I opened it and thought there had gotta be something more to this. I called them and there wasn't. I talked to Sue for an hour and a half. She was as nice and polite as can be. She answered every question I had and I had a lot of them. She wasn't in a rush to get to anybody else or do anything else. She stayed late to help me out. She also got my girlfriend helped out later that night or early the next morning. It was an easy choice. I was fine with the timeframe of getting signed up too. I just got done doing home refinancing. That takes months and months. It took a couple of hours or less than a day and it was pretty much two phone calls and a couple of screenshots. It was super simple.

    Everything has been going well. Payments are coming out on time and nothing's out of place. But I talked with the guy handling my account and the initial part was a little vague. It's the same for my girlfriend. We both kinda came to the same conclusion and we signed up on the same day. They kept throwing out a number. My debt was $23,000 and they kept saying they would settle this for $10,000. And I said, "$10,000 out the door, like that's it?" The answer was always yes. But I get the paperwork and it's really about $15,000 after CreditAssociates' costs and things like that are included.

    That is still fine though as it's still saving me money. It's not the end of the world because there's no interest. It's a flat number and I know what it is. But the people that answer the calls should say, "Your debt will get settled for $10,000, but our fee for that is about 5,000. So, you're looking at about $15,000 total for your costs to get out of debt." That would make it a little more transparent and less fishy.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Aug. 3, 2020

    I have a credit card that I've been paying on since 2014. I heard of CreditAssociates on the radio and I decided to give them a call to see what they could do. I spoke with Zach and I asked him if he could help. I have two credit cards, one of them was drowning me and the other one was sort of an in addition to. He was very knowledgeable, friendly, and reassuring about the process, given that it is nerve-wracking. He explained fully how it's gonna negatively impact me for a short period of time and how it's gonna positively impact me over a long period of time.

    After I was done speaking with him, he directed me to stop paying the two credit cards and to not be intimidated by them. He also told me to sort of transfer any money out of those accounts, just in case, to protect myself. From there, I got another phone call from a different gentleman. He asked if I had any further questions and informed me that they were missing pieces of information. I gave it to him and now, it's just a waiting game.

    I don't like the idea of my credit being compromised for a short period of time. But as far as the pleasantries and as far as people explaining things to me, I really couldn't have asked for a better experience. My biggest credit card is with a credit union and I was told by other debt consolidation places that there's nothing I can do inside my agreement with that company. They won't allow any sort of debt consolidation program and this and that. I always felt very defeated with that whole thing. But to know that there’s a company out there that says, “We understand what they're saying, but everybody will negotiate,” and made me feel that there is some semblance of hope, that on its own makes me feel like one day, I might be debt-free.

    Also, they're very realistic. They let me know the amount of money that would be put into that account and if things go the other way, I'm ensured that that goes back to me. All of it has been pretty comforting for the most part. It's a little nerve-wracking because I've never done this type of thing before but I feel supported by CreditAssociates. I understand this is what they do for a living and I'm just one of hundreds or thousands of people but it still felt like a personable experience. I'm optimistic about what they might be able to do to help me out and at the end of the day, even if they can't, because I have a creditor that just won't budge, I always appreciate the effort. As far as customer service and good bedside manner, I would recommend anybody at least giving it a shot.

    5 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 30, 2021

    The experience with CreditAssociates has been good. We get a statement every month and then, we keep an eye on it.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 30, 2021

    CreditAssociates did a good job so far. They did my Macy’s and my Victoria’s Secret. I still have the Acme Furniture store and I got one credit union. So, I was gonna call today and see if I can add them. But they asked me for a little bit more money right now and I don't have it. I'm very satisfied overall.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 30, 2021

    No matter who I worked with or talked to, everybody was fine. They tell me what the payment was and what it would be, and if it was a little bit too steep in, I tell them what I could afford, and they work it out so it could be exactly what I want. I've been in the program for a little over a year now and it's been sailing right along. It really has helped me out a whole lot. I need to wait a little bit longer for my credit card turning back around. But it has been turning a little bit. I know I got to be in the program a little longer before I can really see the difference.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 29, 2021

    CreditAssociates made things much easier for me. They contacted the companies and payments are being made. Two were paid off and we're doing what they tell me to. They've been wonderful and great and I hope I never have to use them again.

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    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: April 29, 2021

    I've sent a few requests on other accounts that have been coming in and I haven't had a way to verify if they've been getting paid or not because I don't know how to use a computer. I asked if CreditAssociates could send me a paper account. Then I wish the debt consultants improve on communication. They sent me a whole brochure on how to do that, but I don't know how to use it. My daughter usually does everything for me, but she's very busy now and she hasn't been able to help me.

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