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CreditAssociates

CreditAssociates
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Overall Satisfaction Rating 4.46/5
  • 5 stars
    110
  • 4 stars
    24
  • 3 stars
    9
  • 2 stars
    5
  • 1 stars
    6
Based on 154 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.

BOTTOM LINE

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.

PROS

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

CONS

  • 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 ConsumerAffairs.com, 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?
  • 2,433,504 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 ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
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.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 20, 2020

    My husband saw an advertisement for CreditAssociates. And with COVID-19 going on and lack of work for both of us, we got into a serious hole. I checked with the Better Business Bureau and found that they did not have a bad rating or anything. I also checked on another company, and I called them and they wanted outrageous fees. So, I decided to try CreditAssociates and they seemed to be a whole lot more reasonable. I called them and I spoke to John and he was very nice. He was very understanding and very pleasant to work with. He did not come across as judgmental, which under the circumstances, I understand that some people would. They laid everything out for me upfront, explained the entire process from start to finish, and they let me know right away whether or not we qualified for their program, what did quality, what didn't, how it was handled. They explained the entire thing, so I didn't have any major questions going in.

    So far, everything has gone very smoothly. As I get stuff, if I have questions, I call, and whoever answers the phone is usually able to help me with no problem and let me know what's going o, and they handle whatever little thing I have going. I was just getting ready to forward an email to them that I got from a debt collector and I thought, “Let them let me know what I need to do with it.” We’ve had a very good experience with them. It has been six weeks and they already got one of our accounts settled.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 27, 2020

    When I first called CreditAssociates, Bryant was very professional. He put any doubts I had at ease and made it even easier for me to be able to move along with associating myself with this company. We ended up doing the credit and personal loan. He explained to me how the process was gonna work and what to expect every step of the way. He was doing the enrollment process and then I got a phone call a few days afterward for the welcome call. The guy who onboard was awesome and very helpful. They knew what they were talking about ‘cause they said pretty much the same things, what to expect and how possibly the credit union that I’m currently banking with will give me threatening calls, and then make payments and make sure it’s easier for them to negotiate my debt down.

    The enrollment process was easy. Bryant sent me the paperwork. While on the phone, he explained to me that I would need my client identification number to sign in, and then create a password, and then put both my account numbers on there so that it’d make it easier for them to speak to my bank once it came time. I was told that it would take about 41 months for the whole process to be completed. My first payment starts in May. I plan on giving a lump sum amount of money shortly to speed up the process. The Navy Federal knows that I’m in good faith with trying to pay off this debt.

    3 people found this review helpful
    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.

    13 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.

    11 people found this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 12, 2020

    I have just got started with Credit Associates- all the people I have dealt with thus far have been SO nice, but things also got off to a rough start. My first payment was debited twice- so that put me in a tough spot. And, none of the creditors have been contacted yet- so that's a little stressful. Otherwise things are good. I think I made a good decision going with creditassociates.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 6, 2020

    Great service. Reassuring! Very helpful, pleasant, and courteous. It was stressful to make this decision and they couldn’t have been more helpful and considerate. Once the process began we’ve felt a big load lift right off our shoulders. I’ve said everything I can. It was all positive!!!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 6, 2020

    Thanks for helping me get debt free. And helping me get back my financial freedom. And making my old years wonderful for me to enjoy. I am forever grateful to your company for. The best day for all my debt. Was the day I found your company. So I that god for your company. In the help you give others like me.

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

    Nothing has happened yet besides me getting numerous calls all day every day from all my credit cards. I guess they are waiting for my debt to go to collections until they do anything, it's annoying right now so hopefully I see some progress or change soon.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Aug. 26, 2020

    I was overwhelmed with credit card debt. I reached out to them to consolidate and get rid of my credit. They were very informative. I completely understood what they were doing. They took the time to explain the service in different ways. I needed to talk to them about lowering my payments and they allowed me to do that with no trouble.

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    CreditAssociates
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