Follow us:
  1. Home
  2. Finance
  3. Debt Settlement
ConsumerAffairs Accredited Brand


Get a Free Quote
Overall Satisfaction Rating 4.51/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 129 ratings submitted in the last year
Visit Website 

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.

View More View More


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.

Read full review
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.

Read full review

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

Sort: Top reviews
Filter by: Any

A link has directed you to this review. Its location on this page may change next time you visit.

2 featured reviews
View 2 featured reviews
Page 1 Reviews 1 - 10
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.

Read full review
2 people found this review helpful

Not sure how to choose?

Get expert buying tips about Debt Settlement delivered to your inbox.

    Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    We value your privacy. Unsubscribe easily.
    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.

    Read full review
    4 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.

    Read full review
    6 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.

    Read full review
    3 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 8, 2019

    I work 12 hours a week and I go to school full time. I have been in school for six years and soon, my school loans are gonna start coming in as well. So, together with my school loans, I’m not gonna be able to afford to pay my credit card. So, I sought out help. I called different companies and the associate from CreditAssociates that talked to me was more thorough. I was tired looking, but the lady that talked to me sounded like I was gonna have more support going through the whole process. She was very friendly and very patient. I had a lot of questions and she explained everything multiple times. She was also very thorough, so I felt a little bit more confident because of that. She explained everything and everything that she explained sounded like probably was the best choice.

    Signing up was pretty easy. She went over the website with me and sent me a couple of emails and with each email, she went over every single step. She explained every step and I just had to click to sign on the website. It was pretty simple because she helped me through the whole thing. So, it was fast going through it on the computer. I’m in the beginning step and until now, everything has been great. They even have an app that I can reach out if I have any questions or I have any problems. So, I feel pretty confident. Hopefully, we can get this solved quickly. I would recommend them.

    Read full review
    2 people found this review helpful
    How do I know I can trust these reviews about CreditAssociates?
    • 2,177,551 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.

    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 24, 2020

    Very professional, very helpful, friendly, knowledgeable, I truly believed that Credit Associates are sincere in helping people who are in trouble! I was just watching the tv's commercials and I was very curious and called and was able to talk to Matthew **... He was so good in explaining the whole process to me and I was convinced!

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 22, 2020

    My husband and I got about four credit cards between the two of us and one credit limit account. Although we paid above the minimum balance, it got to where it was just too much and they got a little out of hand. We got in touch with CreditAssociates and had Tobias as our rep. He did a lot of talking with my husband. It took more convincing for my husband than it did for me but that was fine. Everything went well. Tomorrow is my withdrawal from my account for my deposit.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 21, 2020

    I had a lot of issues with my credit lately because I was in a bad relationship and we had just broken up. And all this time, I was being dumb and taking credit on my name only. When we broke up, I got stuck with all the bills and I started falling behind. The consultant was very nice and straightforward, and explained everything process by process. They sent me filings and answered all my questions.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 20, 2020

    I had a great experience with one of the agents. She had the time to tell me about the savings that I would be making by switching over to them and everything went well. She was straight to the point and she gave me all the details on everything I needed to know. I’m not stressed because I know that what I’m getting is a better deal than what I had, so I feel like I’m getting something that’s worth me being a part of.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 19, 2020

    I've wanted to sign up with CreditAssociates for the last couple of months of the year. But with the holidays, I wanted to take care of my family and get things done before I started it. I got the things that I needed to get done and with the new year, the timing was perfect. We set up a four-year plan but I hope to be able to get done way before that.

    My experience has been good so far except that American Express called on my job, which was a little bit too personal and embarrassing. I went online and changed my phone number to our fax number so even if they tried to call, they won't get me. But with the exception of that, everything's been fine. Page helped me originally and he broke everything down. I like CreditAssociates better than the others and if I get a bonus or more money here, I'm gonna try to add to the escrow.

    Read full review
    Be the first one to find this review helpful
    Loading more reviews...

    CreditAssociates Company Information

    Social media:
    Company Name:

    Make the best choice, every time

    Join our community to stay up-to-date with the latest reviews, recall notices, and brand recommendations.

    Our community members are happier with their purchases than consumers who didn’t research before buying. To see why, sign up below!

    Thank you

    Keep an eye on your inbox, the latest consumer news is on its way!