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


Get Started
Overall Satisfaction Rating 4.45/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 157 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

Why Trust ConsumerAffairs
How do I know I can trust these reviews about CreditAssociates?
  • 2,593,517 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

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
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

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
How do I know I can trust these reviews about CreditAssociates?
How do I know I can trust these reviews about CreditAssociates?
  • 2,593,517 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: Oct. 28, 2020

I did a general search online and found that CreditAssociates had a high rating. Their consumer feedback was positive. I called and they were very responsive. They said we could talk then and I could tell them about my situation. They gave me some directions over the phone and it was a very clear process. I didn't have to ask a lot of questions because the person that was helping me gave me so much information up front. I felt like I had all the information that I needed to make a decision. And when they sent me the paperwork via email, their rep even walked me through that. She waited on the phone until I received the email so she could make sure that I knew what to do when I signed the paperwork. It was a really seamless process. They also gave me a lot of good reasons why it was a good decision to choose to use their services.

I just started my account. So far, customer service has been excellent. They have been thorough and accurate. What they said they were going to deliver was what I experienced when I called. I called to ask a question and I didn't have a long wait time. I was able to talk to someone and get my questions answered. I'm working with Ava and she told me I would receive another phone call and I did. The person I spoke with was clear in answering my questions. They were very nice and easy to talk to. They were very personable. They make you feel like they are a friend giving advice and not some business associates.

Be the first one to find this review helpful

Not sure how to choose?

Get buying tips about Debt Settlement delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

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

    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.

    Be the first one to find 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.

    Be the first one to find 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.

    3 people found this review helpful
    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.

    5 people found this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 9, 2020

    Nothing has really happened yet in regards to closing out debt. I am happy that I can easily check my status online and I can see my accounts with notifications about their status. I'm only 3 months into the process.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 9, 2020

    CreditAssociates' customer service was the best. They explained the program to me and they were patient when I was reading their agreement. They created an account for me to start putting some money in so that they can negotiate my debts and get a good deal. They told me it usually takes six months before I start to see some debts get settled.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 8, 2020

    My customer service agent was super friendly and he got time through the process very quickly. I would highly recommend this service to my friends and family. He said to give you guys a call if I ever have any questions or concerns about anything.

    Be the first one to find this review helpful
    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 7, 2020

    I just wish that communication was better. I have forwarded many emails from my creditors to CreditAssociates, but I don't get any responses. I don't know if these emails are received. I go online and see nothing accomplished. I just want to know what is going on! Communication is key to me.

    Be the first one to find this review helpful
    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 7, 2020

    The agent working with me went great to start up. After signing up on the program there was no communication after with me. The creditors keep bugging me and I get nervous that is credit associates pay my credit card companies or not. I hope they are, because I am paying a lot each month.

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

    CreditAssociates Company Information

    Social media:
    Company Name: