CreditAssociates Reviews

A friend told me about CreditAssociates, and they were the first ones I looked into. I’ve been with them for over a year, but I’m not happy with the service. When I first set up, I told them I wanted certain things paid off first because they were hurting my credit score, and they ignored that. They are still doing that to this day.

I completed the program with CreditAssociates in November. At first, I was paying double. So, when it got a little crazy for me at the time, instead of me just stop doing it, I just called CreditAssociates. I was trying to see how it worked. I would ask questions and tell them what I can, what I can't afford, and once they gave me some good numbers and good results, I just went ahead and went with them. The representative I talked to was honest. Every question I had about the program, he had good answers for me. Everything went smoothly.

I wanted to consolidate some debt, and then I did some research and decided to use CreditAssociates. It was a little sketchy at first because you're dealing with a lot of money, and you don't know the outcome until the outcome. They can lead you on all the way. But it was good. It got a little confusing towards closing the accounts out and understanding their fees that they got. You do your math, but they have a different math. But it was fair. You pay a little interest. So, it worked great for me because they saved me a lot of money. I had a lot of debt, and I got rid of all of it. I’m all the way done.

I've always paid my bills, and the pandemic really wiped me out. I went with CreditAssociates because they seemed more down-to-earth and a smaller organization. I worked with one person at the beginning who really got things going and laid things out. She suggested we take care of the first $10,000, and then do the last $4,000.

I have nothing positive to say about CreditAssociates. It is a real rip-off. I chose them to get out of debt rather than filing bankruptcy, but it was supposedly only two years and it didn't work out that way. They did not tell me I was going to be paying everybody and their sisters and brothers, so many people got paid before the creditors. I would have done better by calling those creditors myself because I didn't save no money and my credit was messed up.

Well, some of the things CreditAssociates said really didn't happen. They said they'd at least get so much of a discount, but that type of stuff didn't happen. They take a hell of a cut out of what they settle for. If the debt was 15,000 and they settle it for 7,500, their percentage was like 5 grand. They take a huge cut which pushes it back up. They saved you $8,000, but they charged you $5,000. I just completed the 41-month program and I feel kind of ripped off for thousands. I probably could have did it myself and saved myself money once I realized what was going on.

Credit Associates markets themselves as a debt reduction and consolidation company intending to help you avoid bankruptcy but they hide the truth and sell you the positive highlights only. They do not answer the phone when you call in for assistance unless you are a potential customer. They actually drive up your debt so that they can make more money and eventually they will drive you into bankruptcy as they have done to me.

CreditAssociates is negotiating with my creditors, and things are moving along. I've already made a payment and so far, so good. I've recommended a friend.

Nobody explained how the program worked. Then I sold my house and put all the money into the account as I was instructed to, which I really wish I didn't do because I lost six months of interest on my money. The person from CreditAssociates told me to deposit it all and they will pay it off immediately, but it took a lot longer. I was a little disappointed with. But besides that, everything went fine. There were a few extra charges that I didn't expect, but that was because it took longer to close certain accounts. It went from 26,000 to 29,000. It's all over now and some people were really good when we called. They knew who I was immediately and they transferred me to who I needed to speak to. That was nice.

CreditAssociates is a good company. I had some credit that I owed some bank and I couldn't pay, then somebody called me. I was talking to my friend who told me about the company, but I never paid attention. One day, I received a call and a CreditAssociates rep explained to me how I can get help with my credit struggling. The person told me that the program is good and that it can help me stop struggling with my debt, then I decided to say, "Hey, maybe you can help me, for sure." They didn't force me and they represented the program well. Now, CreditAssociates is helping me.

I was leery at first, but CreditAssociates proved themselves worthy. However, I didn't know that one of my debtors didn't negotiate. I found out through them and through CreditAssociates and the only thing I could do was to pay them off myself.

When I was overwhelmed with debt, I enrolled with CreditAssociates and the process was smooth. I was impressed with the rep's willingness to help, and our interactions were like talking to a friend. I was told that I have to continue to contribute and not to contact or speak to my collectors. I was also informed that if I need any assistance when it comes to my payments, I can reach out to them and they will work with me. I log into the app to track my progress. With CreditAssociates, I can begin to save and not be as stressed once the process starts. I became debt-free.

My experience with CreditAssociates has been poor. There has been no communication at all for the follow-up.

CreditAssociates has excellent customer service and they gave us all the information.

Back when I was going through a separation from my other half, I was trying to find out how to conglomerate everything. I read a lot about CreditAssociates, and it was a very good company. I enrolled and the reps were excellent and very helpful. Everything's going to where I can handle things now.

Working with CreditAssociates has been very pleasant. I wanted to consolidate my debt and right now, they're in the process of still trying to negotiate with the credit companies. My interactions with the rep have been good. He's been very thorough about what is going to happen and what can happen. I like how they have a profile specifically for me to see the whole process on how they're gonna reduce my debt. Everything is fine for me. I have nothing to complain about on my end.

A young man from another company was a little bit too much aggressive when he called. Also, the interest that I would have been charged for me to get out of debt would have been more. I refused to go with that one and went with CreditAssociates instead. I don't know how many times they've changed their name but this time, I talked to Steven, and he made it clear that I've used the company before. He explained the program is gonna be like having a savings account. They're gonna take a percentage withdrawn every month out of my account. They're knocking out the interest and paying the principal. He did a good job and did what he was supposed to do.

Setting up the program with CreditAssociates was good, and they were able to negotiate with one creditor, so far. When I call in, the reps have been informative and helpful, but I would like to have just one person. Also, I have been receiving calls from people that they're supposed to be working with and when I reached back to two of them, the reps led me through what to say. I told the creditors that CreditAssociates would be calling them. Today, again, Barclays called me. I gave them the information and I was confused when the bank asked me as to whether or not the program is a consolidation. I'm a little more concerned because things are taking a long time.

CreditAssociates was good. I didn't see the end date from the last payment that I would be making and as I was messing around with the app, I saw how many times I was gonna be charged for the payment dates and that answered my question. Everything was good after that. CreditAssociates told me what they were gonna do and they did it, so I'm very happy with that.

When I couldn't handle things as they were too much already, I received a letter and called CreditAssociates. Enrollment was good. The rep, Gutierrez, explained a lot of things to me and I like it. They're still negotiating and I follow my progress on the app, but if I had any questions, they told me to give them a call. The program takes time, but so far, so good. I don't have any problem. I gave CreditAssociates' name to my father, too.

Getting set up with CreditAssociates was very quick. I enrolled within the last month and the rep that I worked with was good. They were able to answer all my questions. I'm happy with CreditAssociates.

I've gotten a credit card very young in life and really maxed it out. Then I went back to school to get my Master's to be a teacher, and again, was just figuring things out financially and life-wise, and opened another credit card, and rhen opened another credit card, and opened another credit card. My parents told me that I needed to do a loan consolidation. Then I got something in the mail from CreditAssociates with an offer. I reviewed it in less than an hour, and gave them a call. I spoke to a gentleman and within an hour, I enrolled four different cards with CreditAssociates. Four years later, I got a text the other day that my last account was paid off. So it worked out for the best.

When I went online, I found that CreditAssociates changed the way the payments showed up. That made it a little difficult to know how many more payments I had to make. They had it where the date or the projected payment was, and then followed that to the conclusion so I knew when the last month and day would be for the final payment to be made. I liked how they originally had it. They changed it, and they lost me. I had to ask the gal where I was. I knew I was in the ballpark. I just didn't know as accurately as I had previously.

I came across CreditAssociates and decided to try it for my debt consolidation. What impressed me most is that they’re taking care of it and I don’t have to worry about it. I think the program lasts until I’m completely clear, and I think they’re doing a good job and getting everything done in a timely manner. I don’t have any complaints, and I’d recommend CreditAssociates to my friends who are thinking about doing what I did.

I finished the program a little more than a month ago. It took two and a half years. I had credit cards. They weren't that bad. CreditAssociates' success fees are a bit crazy. However, my credit has gone a lot better since joining the program. It took a decent hit. But within a year and a half in, it started to get better. I got a low-balance credit card to build up my credit. Once the accounts were completely settled, that was when I saw a big change. It's almost to what it was five years ago. It set me up for a better future.

I had a credit score of 820 when I enrolled. I was in a car accident and couldn't work- so I needed my cc to pay my bills. It got too much to pay the monthly payments. Thinking they were going to help me by negotiating smaller debt and pay off my cards and I would be paying THEM- I signed up. My credit score went from 820 to 520 IN 6 MONTHS. They negotiated a better settlement - but ended up charging me $8000 to do it. What I didn't know until it was too late was that I could go to my cc companies myself, negotiate a payment plan and a settlement WITHOUT hurting my credit and being able to use the cards again when I paid it off. DO NOT USE THIS COMPANY if you value your credit.

My experience with CreditAssociates has been great and I can't complain about anything. The reps explained to me before things happened. They let me know where I'm at and they do the work for me. When they get a great offer, they let me know and if I don't have the money, I do whatever I can to get the money in so that I can settle this account. I like the website where I can go and feel comfortable and see that progress is being made. I have good credit and even though CreditAssociates affected it, it's not making it any worse. It has turned up my debt. It makes me say that I got to crawl before I can walk, but I will come out of this. It's less stress for me now.

I told Credit Associates to take $500 out of my account that I get from my Social Security. They said they will help me pay one bureau at a time. They called me and they explained things to me. But they send me some paper but it was not the paper that I wanted. I know how much money they taking out of my account. I wanna know when do they started paying my bills.

Cindy, the rep, was awesome. I love her. Working with CreditAssociates has taken a lot of stress off me. I’m a lot more comfortable with my finances than where I was at. I'm able to meet my other bills without having to stress how I am going to do this. So it’s a major plus.

CreditAssociates said that I'll be through paying them in two years. It hasn’t been a year that I’ve been with the program and working with them has been alright so far. I have no complaints. If someone calls me, I tell them that I am with CreditAssociates but they still call, and I tell CreditAssociates.

CreditAssociates is consolidating all my credit cards and negotiating with them for my debt. Some of the debtors have already negotiated with them and they're taking care of it. But they'll work a little bit more with Capital One. It is what it is. If I have any problems, all I have to do is call the reps and they answer all my questions, and they’d take care of things right away. A couple of times though, I reached out to the man that I started taking talking to and he said he would get back to me but he never has. Some of his underlings called me but I'm the kind of person that the person I want to talk to is the person I called.

So far, my experience has been good. I have two debts remaining and it's a relief that I'm getting things paid off.

Everything was perfectly fine at initial contact. But they should keep in contact with their clients and let them know what's going on rather than the clients having to call. It just seems like things are taking long. They said it's gonna take two or three years and I'm like, "Why so long?" They told me they settled three debts but I'm really not seeing too much. Take your time and look for the best program which fits your price range and your budget.

What I needed to know was unpacked and I was happy about that. The process has taken around six months and it's barely starting. I have three accounts already settled. If I want to, I could give even more so the process can go faster.

When CreditAssociates said they could take all your bills, I thought they would be paying on all of my bills, not just collecting money for one and then paying off one and then collecting for another bill. Also, they get a percentage of the money and I don't know how much percentage they get. I need to know how much is going to them and how much is going to my credit. 'Cause right now, I'm a delinquent and my credit score is completely messed up. And I thought I had them to help.

eBay is saying that my last payment wasn't settled on the date it was supposed to be. I called CreditAssociates and the rep set it was settled and told me to ask eBay. I contacted eBay again and they said that the payment was late. I told CreditAssociates to please check and asked her to update me on what happened. I called back and forth that day. I never heard back from CreditAssociates but eBay hasn't emailed back again.

It could be a little cheaper, but I like CreditAssociates. Everybody is very nice to work with and they really keep up with you. Since working with them, I've been stress-free because I know it’s one person dealing with everything for me.

There was not a lot of communication. When I asked some questions, not a lot of answers. So, I've been having to do a lot of Google searching and answering many questions on my own. I didn't know anything until the money was drawn out. Nothing was communicated with me. I called CreditAssociates and they stated that they possibly had an offer, then the funds were there, but they never took care of it. So, I had to wait for an additional month and they still haven't taken care of it. So, I personally talked to the credit card company and said that they needed to reach out to this company with the offer. They did. I've talked to the credit card associates and got my answers versus waiting around and getting answers from CreditAssociates. So, not the support that they say they do, not the communication, not the response of what I expected, but I'm stuck with it so I just have to wait it out.

They have been kind and encouraging. I feel pretty comfortable working with them.

CreditAssociates has been nice to deal with. I've talked to several reps there and they were all very helpful. One guy I talked to was Troy and he answered my questions. CreditAssociates has been getting me out of debt and we've been going at this since December. I'm satisfied.