CreditAssociates Reviews

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.

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

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.

The rep who helped me set everything up was cool and CreditAssociates has helped me close one of my accounts already.

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.

I was quoted one price for the arrangement but as I went along, it was not what it was. The rep at CreditAssociates even asked me to increase my amount, whereas I'd agreed to one price, and so much to adjust my credit. I didn’t like that. Then later on, I filed a concern and every time I called to speak to the lady that I originally spoke to, they could never put me on to her. I wanted to let them know that I was displeased about the agreement. I got one guy and he adjusted but I wasn’t satisfied with it.

CreditAssociates is paying my credit cards off and it took quite a while before I started seeing debts get settled. They wait a long time and I keep getting phone calls. They could communicate with the companies and tell them they're taking care of the debts. But other than that, the experience has been good.

On my initial contact with CreditAssociates, I don't think they fully informed that my credit rating would go in the dumpster. Then I keep getting calls and letters from different companies. I didn't realize that they dealt with each debt one at a time and not all at once. So, all these other companies are wondering what's going on that I'm not paying anything and nobody's in touch with them. I wasn't too happy about that. They could have explained, "It's gonna go way down. And these companies are gonna keep calling you because we only deal with each company one at a time until it's paid off, and then the next one. We move on to the next one, instead of dealing with them all at once."

I am paying CreditAssociates a monthly payment to take care of my creditors. They're paying down my loans that I couldn't pay down myself. They're a good company.

I called CreditAssociates and talked to the person on the phone. They were very nice and they explained everything to me really good. They didn’t charge me a fee upfront. They got my debt and added it up. Anytime I need to talk to them, somebody’s always there. I like them. I haven’t had people calling me. I haven’t had anybody really hassling me. I've been with CreditAssociates for a while, and if I need to call them about something, they’re available to call. They answer my questions. I've always been able to call them if I don’t understand something, or when they call me, they help me out. My experience with CreditAssociates is good.

I had a great experience with the reps at CreditAssociates and the payment plan worked well. It was simple and easy. I would recommend it to anybody. I’ve been in the program for about nine months and everything seems to be on track. I’m checking everything on their end and they’re keeping me updated on everything. They got a few more to negotiate with and then, we’re good to go.

I’m pleased with CreditAssociates. Working with them is going well. It makes me feel more comfortable with dealing with paying my debts. I would highly recommend the company.

I was verifying my credit report through TransUnion and I was looking for consolidation of debt. In the midst of that communication, I came across CreditAssociates and their representative called me when I inquired and explained the details of the program. I had concerns personally because I was worried if it was fraudulent. There are a lot of scams in that business and I was apprehensive in my first phone call to move ahead. But both representatives I spoke to were very professional and very patient. They answered all my questions, acknowledged my concerns and made it comfortable to close it if I wanted to. The customer service was excellent and everybody was very polite.

CreditAssociates has been very good and they call me regularly when a creditor wants to settle. They run it by me first.

This is the second time I have used CreditAssociates and the program they have me under is good. It's the best thing anyone would do if they want to do it.

I got CreditAssociates for TV and I thought they average up the bills, figured up what they can save me, and charge me the lump sum. Then I'd pay them back and they would take care of the bills. I found out that's not how it worked and I didn't know if I wanted to go that route. Also, I wanted to try to get a price on how it works but the people that I talked to about seeing what I need to do and what it does, didn't want to hear that. I was rushed into it. And every time I try to tell other people this stuff, nobody wants to listen to it.

I had too many credit cards and I was going about it the wrong way. Somebody from CreditAssociates identified what the problem was and they said they could help me and reduce my debt. They explained their organization as well as their process clearly and it sounded like a good thing. Right now, I pay $510 a month to CreditAssociates so they could work on settlement agreements with the various credit card companies that I'm indebted to. Plus, I didn't go in leading with my chin. I researched CreditAssociates and they're definitely a legitimate organization. They've been forthright in what they're doing and I have nothing but praise for them.

The reps from CreditAssociates are great and everything's been working fine. It's not having to worry about different payments. Having one payment is helping out.

CreditAssociates' communication skills need to be a little bit better. When people say they're gonna look into something, do something, or take care of it, I don't hear back from them. I got to keep calling in reference to the situation. It was something that came over one of my accounts and the account people reached out to me personally. I forwarded the information over to the credit consolidation people without contacting the account people and they claimed that they never got it. They wanted me to forward it over again so I did but they never got it. It was a bunch of confusion so I just left it alone and solved the problem myself.

The cost consolidation has been very helpful to me being able to pay my bills and buy groceries and all. That’s what I'm proud of. Also, the rep that I work with is very good. I would recommend trying CreditAssociates if someone is having financial difficulties because it takes a big burden off when one used to have some high bills and they're just making the minimum amount every month.

CreditAssociates only wants me to look at my account on the computer. As a senior citizen, that's not working for me. I can't get a printout of what they are doing and I'm not sure how great they're doing. Even on the phone, they always send me to somebody else, and most often, who they’re sending me to is busy. They should communicate better and be sensitive to senior citizens. It’s a lot of confusion to me. When I was starting up, I thought it was gonna be easy for me to find out what I've paid, or they would send me some kind of summary. I'm still getting threatening letters from my creditors and the amount I owe is steadily increasing. It’s been an upsetting experience and I won't recommend them to anybody. I’m not satisfied right now.

The debt consultants were very helpful and they answered a lot of my questions. It took around 90 days to start seeing my debts get settled.

Working with CreditAssociates has taken a load off my mind. They negotiate with the creditors and everything's good.

CreditAssociates is helping me get out of debt. So far, so good. I get emails and I haven't dealt with anyone. Just not have my creditors call me. But they told me that I could just ignore those calls, and I have.

I've been in the program for over a year and I don’t think all my creditors are paid off yet. I'm dissatisfied because my creditors are still calling me.

The reps at CreditAssociates were okay but the program screwed up my credit very badly. I wish I didn't do it. But they're a good company and they did a good job for what they do. It works for some people.

I’m trying to pay off what I owe through CreditAssociates about $400 a month and I'm happy with what's going on. I haven’t been bothered by other creditors right now.

The program has been a little bit slow but it's okay. I submitted 8 to 10 credit cards and they've already settled with 3. Also, they're flexible. They deduct the money every two weeks and right now, I'm not working and things are hard. I postpone my date and they work with me.

CreditAssociates had this electronic sign thing and I asked for a copy of it, and it took me about four months to get one. It has the price of stuff and now, they’re changing the prices on it. The reps would call me every now and then. But they’re supposed to call me to okay everything before they do it and they don't. Also, I'd like to have paperwork showing what's being done. CreditAssociates is not worth what I’m paying for it. I could do it myself.

I liked whom I spoke with and I trusted him. The process was very easy and the reps were very knowledgeable. And the information I gave them, they processed it quickly. And they had some great results.

CreditAssociates do a great job. They are nice, helpful and quick on helping in trying to get the credit solved. Their communication is good too. People should do it. It is bad on your credit for a little bit but it’s better than doing bankruptcy. If I hadn’t lost so many hours in my job, I would have a lot of stuff paid. But Credit Associates helped me out and I had gotten a lot of stuff paid down.

I set CreditAssociates' program all up for my daughter and so far it's going well. Nina was the rep who helped me set it all up. I was on the phone for a while last week. We got something that an offer was rejected and I called to find what it was about but I never got an answer. Other than that, the only thing that she's concerned about is we knew from the beginning that her credit score was gonna go down before it would go back up. I contacted our financial advisor and we helped her as much as we could. He said, "You need to stop the hemorrhaging of the interest." And sure, I know she's paying CreditAssociates a fee but at least she's not paying on the bills every month. And they're hardly not moving.

We love CreditAssociates. Andrea, the one who did our Symphony account, was very helpful, and Bridgette who did our intake was nice.

I had a really good experience with the rep. They have a great program and it has helped me out. I have one bill combining everything and things are less stressful for me.

I would recommend CreditAssociates. The progress I’ve been making with them is good as well as their communication. I use their online option so I can see everything that’s going on.

The process has been good. My consolidation with CreditAssociates has been successful.

Customer service reps answered my questions to my satisfaction in the beginning but it was kind of a sticker shock because things weren't as what was told to me. Credit Associates didn't tell me how much they were going to take. they took a fee for each account and I don't know if I would have entered into the contract had I known that prior to it. They should be upfront and let people make an informed choice. It was a little deceptive to me from the start that they were gonna do this and that and then all of a sudden I get this bill that's more than I thought. Other than that, they're in the process of settling my debts. I am pleased with that aspect of the service.

I did a research on two different options where I can consolidate or I can do something else. I have lawyers and they reviewed both options and gave me the pros and cons. I made my final decision to pick CreditAssociates because of the way that they work. It was more beneficial for me in terms of the credit restraint payments. I know I’m gonna be certain times hurt by my debt and my process, but eventually, I'm gonna recover my credit. The majority of the representatives are hands-on on customer service when I call and most of them are clear on the next step. There are others that I call and they don’t have any clue. I spend an hour with them and I am in the same place.

I like the way that CreditAssociates negotiates on things as far as different accounts. They hold the money into an account. I could see it, I have access to it and I can add to it if I want to. Any time that there's a negotiation happening, I get a contact, a phone call or an email letting me know that there's something happening. So far, they've handled the accounts that I gave to them, and they're negotiating the prices down. Most times, they're negotiating it down for a third to half of what the balance was. Sometimes it’s much more. All the way around, they got good ratings. They were a legit company. I didn't find much negativity about them online.

My husband is not thrilled that it's taking so long. He wishes it was faster but the problem is we can only contribute what we can contribute. Also, I wish our welcome coordinator told us how long it would take for us to get our credit back up. He kind of made it seem like it was gonna be fast but unfortunately, that's not the case. A little bit more transparency would have been fabulous. Now we're having an issue with getting a new loan for our cars because of our credit.

The reps explained everything completely and answered any questions that I had and everything went over very smoothly. CreditAssociates sent me an email to let me know when my first debt was taken care of and then, I was overlapping into one of the other bills so they got in touch with me by phone to see if I could add a little bit extra a month so that they could start working on the next bill. I appreciate that rather than just sitting there paying and not doing anything.

They seemed to handle my debt pretty good. It was only a matter of six weeks before the first debt got settled. If I want any information, all I have to do is log on to the webpage. But they could contact me once in a while to let me know how things are going. Other than that, I'm very satisfied with the way things are being handled.

I enjoyed working with them. I'm still working through the program but my credit is better now.

When CreditAssociates took my accounts, they added them up but there was a $7,000 difference between what I owe and what I would have to pay out. So my base number was 13,000 and some change. I'm under the impression that I'm going to pay them this 13,000 and some change over a period of time. But they didn’t make it clear that as time went on, my payments could go up based on the accounts that were closed and the agreement we make with them. The representative that initially does the paperwork should be more clearer on how this process works.

Working with CreditAssociates has been good so far. I don't have any problem getting in contact with anybody. I’d tell others to check it out.

The reps take the time to explain how things work and they send me text messages every time they negotiate with a new account. They tell me which account they're paying so I see my money. I love it and I'm really happy. It's worth it. My husband and I are not worried anymore. We know our debt is in good hands and they are talking on our behalf. We can live life and not be worried about paying stuff.

Working with CreditAssociates has been good so far. I'm waiting on some correspondence from them for my Capital One. It was supposed to be done already and I'm still getting letters. Also, right now, my credit is in terrible shape and hopefully, soon it will be better.

At first, I was disappointed with CreditAssociates. It really messed up my credit. They told me that it would but I did not know it was going to give me such a big hit. But now, I'm feeling better. One of the accounts has already been paid off. Also, everybody that I've spoken with has been quite friendly and helpful.

CreditAssociates appears to be paying the debt. But it doesn't help your credit score. The accounts that they pay still stay on collections on your credit. They don't come off. They should have done a better job of explaining that that’s something they really just don't deal with. If people are interested in fixing their credit report and getting the debt to deal with the credit report, I wouldn't recommend CreditAssociates.

We're grateful that CreditAssociates took my account. They've helped me and the rep I worked with was okay.

CreditAssociates has been consistent and my bills are going down. I appreciate what they have done thus far. Still getting calls, though, but it's not as much as before.

Their customer service was excellent. I'm very satisfied but people should be told that you can continue trying to settle on your own. Sometimes, on your own, you get better deals than you do with the agencies because you ask for a little more. I think the company should have been a little more upfront about that.

It was very easy to get signed up and get started with CreditAssociates. The rep walked me through everything. Every time I've had a problem, they've been right there. They've also been very upfront with us the whole time. I am very grateful to them that they're doing all the negotiating and I'm getting all this cleared up. It was awesome.

I had a rep and if he was not available, someone else could step in and answer my questions. However, they don't contact me. If I need to know something, I call them. It would be nice if they could reach out to us on a regular basis and let us know where things were standing.

Signing up was easy. They just told me how long it would take and how much I would have to pay monthly. The only thing I didn't realize is that they don't keep in touch with the creditors. I have accounts with credit cards and they're still contacting me instead of dealing with CreditAssociates. I wish that when they have a list of the credit card companies, they would let them know that they had taken over, 'cause it's a waste of time. I'm constantly still getting letters and emails from Capital One. "Call us. We'll work with you." I can't because CreditAssociates has the accounts now and they wait until they have money to make negotiations with people. Other than that, everybody who works for CreditAssociates is always very professional and nice when they go off. If they have an account that they're negotiating to pay off, they call and ask me if I'm okay with it. As soon as there's enough money available, they always let me know that they'll be dealing with it.

Getting started with the program was easy, except I had to call a number of times to get it going and I don't know if it's still going. I see the money's coming out every month, but I don't see any more progress being made. Discover has been paid off little by little, and that's it. I was also under the impression I would get a monthly email at least, saying, “This is what we've done. And this is what we're working on,” but I haven't gotten that. They have this dashboard, which you go in there and then if you don’t have the right password then you gotta reset your password. It's a crazy thing. Overall, I’m not happy. I would have gotten a lot more progress by now, and I understand there are some options out there that have a much better deal than I'm getting with CreditAssociates.

Capital One has been completed but CreditAssociates is paying on the other accounts. I got two credit cards from Chase and they said they don’t work with them. So I don’t know what we’re gonna do if they aren’t gonna pay it. I haven’t heard from them since November. If I need anything or I get sent any mail from another credit card, I have to call them. Then sometimes, they say they got the same letter, so for me to disregard it. I don't know why it takes so long to even start paying anything but I’m not dissatisfied. They probably got hundreds of accounts trying to combine all of them to start paying some. That’s the way they work.

Getting things set up with CreditAssociates was an easy process. The only problem I had was that they missed a couple of my debts when they initially set it up. But we got that corrected. I find their communications to be a little bit lacking, but a lot of that is because I am not online. I don't have computer skills. They and pretty much everybody else are geared for online. They do occasionally reach out to me. The other day, they came through, and it was fine. They settled the debt, and they wanted me to click onto a link to review it. Of course, I couldn't do that. Other than that, they've been good to work with. I would use them again.

CreditAssociates has nice people who help you out and talk to you. After they figured out the payment plan, they told me what it'd be, and everything went fine. I've been in the program for a year and I've paid off two bills so far.

Gail, the rep, was very nice in explaining everything. She went through the payment schedule, and I'm paying a little less than the company I had before. CreditAssociates gets their money every month, and they’d call me when they get an offer to pay down.

CreditAssociates got back to me very fast and they were very professional. The setup process with them was very easy and fast. I took copies of all my statements and any type of letters that I had received. The link to get these paid off is probably the only problem that I'm having. I was under the impression that they were going to make contact with each of the people I wanted to pay off. That had not happened. It's only been the small ones. Bank of America and US Bank keep calling and sending nasty letters, and they never did contact with them. I keep sending the letters to them and asking them to do that. At the amount of money I'm doing on a monthly basis, probably, it’s not going to get it done as fast, but they need to communicate with these people. I keep telling them that I've gone to CreditAssociates and they keep saying that they need a power of attorney. None of that has happened as far as I know.

CreditAssociates has been great. The only concern I've had since I've been with them for over a year and a half now was whenever I got the call from one of the creditors, the creditor sent me a letter saying that if I didn't respond, they would sue me. Whenever I gave CreditAssociates a call about this matter with the attorney, the lady said to fax it over to them, and I did, and I haven't heard anything from that company, so evidently, they worked something out. In the booklet that they sent me, it said that I have to be careful with what I say over the phone, don't promise anybody anything, and people will try to get me. I mostly followed that. I've just not been answering my phone unless it's somebody I knew and the calls have gotten fewer because some of them are now getting paid. There have been some interesting arrangements with a few of them so my bills will be taken care of.

I talked to a couple of the associates and how they broke things down made it a little easier for me. However, they should make sure to explain things correctly to their clients next time. I didn't realize that it was going to go by how much money that I was going to be giving to them in holdings and compared to how much debt they were going to pay off. It was worded a bit differently than I expected. How it was explained to me was, “Okay, we're gonna pay this and so much interest. And then you're gonna owe us this amount of money in this interest rate.”

When I called CreditAssociates, the person I spoke to was really helpful. The consultants are very knowledgeable and they help as much as they can. So far, it's been a positive experience. But I would like to be contacted more from them to let me know what's going on.

CreditAssociates got some credit accounts resolved and everything is going good. Everything is going as planned.

I needed to get my credit and my financing in order. I wanted to give CreditAssociates a trial because I heard some things about them. It’s been okay. I signed up for three years, and then they kept calling and saying, if I added more money, they could resolve more creditors with that money. But they didn't tell me that from the start. They said they made contact with one of my creditors, and they say they couldn't resolve it until I add for money. So, if they can clear that up, it'll be good. I wish they would’ve been upfront with me with that. I'm getting some of the accounts paid out quickly. Some of them are taking longer though.

I gave CreditAssociates a list of all my credit that I owed, my creditors, and my income then they came up with a payment plan. It first started with 575 a month, and then they called me and asked if I could give another 100. I worked my agent a couple of times, and he was very professional and knew what he was talking about. I haven't worked with him since though. I've worked with whoever answered the phone and knew my case. Working with them has always been good until this last time. I found out that they stopped payment on the check for JCPenney, and I thought, “Wow. Why did that happen?” I talked to someone who said, “I'll have my supervisor call you.” It's been a week and the supervisor hasn't called me concerning this matter.

Bruce, the one in charge, told me everything about what CreditAssociates could do and the way he talked to me was nice. If it hadn’t been good, I wouldn’t have tried the company out. They told me how everything worked, so I haven’t had any questions. They do what they told me they were gonna be doing, and I try to keep the money in the bank so they can get it when the time came. If the money ain't in the bank on time, I call them a few days ahead and they help me try to move it to another date that I will have the money in there. Overall, CreditAssociates has been good. When they’re doing a good job, I don’t think we have to communicate a lot. If I have a problem, I will call them.

I liked the way CreditAssociates was set up. I like the communication. For someone who's 73, the service was explained to me, and it made sense. So yeah, it was good. The rep I worked with was very upbeat, informative, told me pros and cons and made sure I understood this and that about the program. With CreditAssociates, I'm down to a very minimal amount that’s still owed out there. At some point, I hope I can just pay it off and be done with it.

Credit Associates has taken care of our credit cards. They've been excellent. I was the one that was a nervous wreck. They kept having to calm me down. They were very good. I would recommend them.

The rep from CreditAssociates called me frequently. They contact me when they have new credit cards offers and to deal with the credit cards that they have on file. They keep me up with letters all the time. I was with so much stress with all these credit cards and working with them alleviates it. Once in a while, I receive letters from them but I just email CreditAssociates and then ignore the letters. They would be dealing with it. I would tell the credit card companies that I am enrolled in this program and to contact CreditAssociates, and they do.

American Express told me they don't do any negotiating with the credit resolving companies like CreditAssociates and CreditAssociates's people said, "Oh, yeah. We've settled accounts with them before." Brian, the guy I've been speaking with on the phone, is very exceptional and an excellent communicator. He's doing a great job on his end of things. I also know CreditAssociates is trying to work out deals with the credit card people and I've had a couple ones closed out. One thing though, sometimes there's enough money in monthly then sometimes I have to reduce it because of certain things (like I was trying to sell something or obtain some money and it didn't come through on time). It would be an improvement if there was a way to communicate more, whether it's text or email, of when my next payment is due and am I going to have the funds for it. That can change in a matter of a couple of days.

Everything is on track with CreditAssociates. It was a 41-month term, and some accounts have been settled. So, it's just a matter of me getting the money in there to finish settling them out.

Working with CreditAssociates has been good so far. I was in the process of getting all my credit cards resolved and I’ve done three already. Two more to go and I’ll be all set in a 3-year period of time. The associates are helpful. People should use it because it helps you understand and if you have any questions, you call them and they explain to you how it works. In no time, you will get your financial pressure off the chest. You're looking forward to relief, in a 4-year program, and be debt free. In time, I will get back on my feet.

I faced multiple hardships and couldn't pay off my debts anymore. CreditAssociates was one of the few companies that reached out that the plan seemed doable. The fact that it took a huge hit on my credit score is the hardest thing that I'm dealing with out of it right now. At first, I was really uneasy about not paying the creditors and be late. There were a few things that were scary about it, but CreditAssociates was able to kind of help out and put my mind at ease with it.

I feel not so much pressure now that CreditAssociates is taking care of my credit cards and everything. They settled two, and they’re working on a third.

CreditAssociates is working very good on my behalf. The representative I worked with was terrific. She impressed me. Right now, the burden is off on my head a little bit. I have people who are helping me to solve my problem. With that alone, I found my goal for being friends with CreditAssociates. I will recommend them to friends.

Everybody has been as professional as they could be. I appreciate that CreditAssociates was taking care of all this stuff for me. But I've been trying to figure out what my credit score is now and I hadn't been able to get an answer on that from them. They told me that that was information that they didn't have. In one of my calls with them, they told me to use a company and I tried that on my phone but there were so many steps that I ended up giving up on it. I was on the phone for an hour and a half, and I wasn’t even halfway through with trying to find out something.

CreditAssociates did a good job. Tiffany, the rep I worked with, was excellent. I referred a lot of people and they’re happy too. They told me they love it.

With all of the people that I have worked with, they all seemed to be nice and concerned about trying to help me get out of debt. I only have one more debt that I need to pay off. Since working with them, making my payments has been easier to do.

I handle Bill's situation, but I let CreditAssociates handle whatever they need to handle on all those credit cards that Bill had that he can't pay. If they need to get in touch with me, they'll get in touch with me. One time, they called me to clarify some creditors that they wanted to close out on one of his bills and I said, “Okay." Overall, CreditAssociates is doing what they need to do for Bill and it relieves a lot of stress on him.

CreditAssociates is an excellent company. They're getting me out of a whole lot of mess I was in. I was in deep stuff. They took a lot of worry off of me. I don't get as many phone calls, but I still got creditors calling me. Everything has been very professional. I had to have my payments adjusted because my personal rent went up, and I'm on a fixed income. They were able to work with me on that for a while.

Customer service was professional and they seemed to have an idea of what they were talking about. The rep I had was pretty detailed. I have a long way to go. In the beginning, results are very few then as it gets closer towards the end, that's where I'll see the impact. I'm just waiting until such time.

I was signed with another company and wound up going with CreditAssociates because of the monthly payment deal. Their guy also had a line of communication open with me a lot better than the other company. He worked well with me in the beginning, but I haven't had a whole lot of communication with him in a long time. He hasn't contacted me back to let me know exactly what the statuses are, and I'm hoping to hear something from him. He could touch base with me every other month, shoot me an email or just say, "Hello, we're still here. We haven't forgotten you."

CreditAssociates is the company that I'm using to consolidate all my unsecured debt. I pay in a monthly fee, and I added up on my unsecured debt. They have paid off some of my unsecured debt and my credit cards. I paid and the ones they haven't contacted yet are still calling me. So, now, I'm being sued by different creditors. I emailed CreditAssociates the letters of the lawyer that are suing me, and sometimes they get back to me, sometimes they don't. I'm happy with them because it is helping me and my credit score has gone up, but it's taking longer than I expected.

The man I dealt with was very nice and informative. He helped me right away. My first debt got settled in eight months. The only thing was I tried contacting CreditAssociates and I had a really hard time. I couldn't get ahold of them. I just wanted to know how much was left on the debt and how much has been paid. Do I owe anything after we're all done or do they take it from the money they take every month? CreditAssociates takes 500 and something a month out of the account so I don't know if I'm gonna have leftover debt. I go to their dashboard and it just says what I have left. There are three credit cards and the amount is shown. I don't know how to use the dashboard and I'm having trouble communicating with CreditAssociates.

What CreditAssociates is doing is working good. It was definitely less than a year and there are two accounts closed out, which is quicker than I was thinking. CreditAssociates is good at what they do, and I'd recommend them.

The rep was very explanatory. He put me at ease in a way that made me feel great. I'm almost at the end as far as negotiating. I had four bad accounts and CreditAssociates got three out of the way. We're still negotiating with the last one. They helped me out so much. I give them kudos all up and down. It's taken the cloud off my shoulder. CreditAssociates is a great company.

CreditAssociates was going by a different name called NetDebt, and I used them before when we got behind on some payments. We did it again this time, and they've been nice the times that I’ve had to talk to them. If they get an offer to bring my bill down, they call, let me know, and ask me if I accept the offer. I tell them yes, and we go for it. I got two credit cards that they settled with and two that they haven’t. I’m waiting on them to get something done with the other two, but I haven’t heard anything yet. Other than that, I would recommend them. They’ve been really good and they’ve helped me a lot with our credit card debt and got it down to a payment that we can afford.

CreditAssociates explained everything to me to where I could understand what's going on with the processes. Anytime I have any questions, I would call you and get an answer for them. I was able to work through them to pay off my credit cards faster. I did a workup on four of the five credit cards, so far. I got one still outstanding but I just don't have enough money saved up in the bank to take care of that credit card yet.

The process was pretty straightforward. But I had my finances well-organized, I knew what was where, so it was an easy process. Just gave them the information they needed to do their initial analysis and decide whether or not they could help me or not, and if so, how much. All that went well. It was one phone call. I called them and said, "What are you?" "This is what we do." "Oh, well, that sounds interesting. Here's my debt." And he crunched the numbers and said, "Well, here's what we can do for you." And he explained how it works. And I had enough understanding to know that I would get nowhere trying to bargain with these creditors. I'd rather let a third party do it. That's their line of business, and that's what they do every day.

The guy that I talked to, Jeff, seemed like a nice, down to earth, straight up guy.

CreditAssociates is okay and everything has been good so far. I haven't talked to them in a while, so I thought they were negotiating for one of my accounts. They already did one. Now, I have two others they have to do.

I’m looking to have my credit back, and I hope to be debt-free as soon as possible. I decided to work with CreditAssociates because they impressed me when I talked to them. Things did not work the way I wanted it to be, but so far, they've been very good.

I got a representative and he was very nice and professional. At first, I had a little doubt about if I wanted to do it, and he left me alone for a couple of days. I told him, "Give me my space, so that way, me and my husband can really think about it." And then, he said, "Well, I'll be here. And call me if you really want to do this." And I called him. From the first time we called, everybody was so helpful.

I'm working with CreditAssociates and it's been fine. It's a little confusing but I don't have a lot of time to think about it because there are a lot of other things going on. My thing is we signed up and they are doing their job.

The rep I had was just pushing me to make a contract with CreditAssociates. I was expecting a faster process but I'm about a year into the program and it has been very slow. There is no information about time frames and I'm just waiting. I wish they have a clear process too. There are creditors that they working on and on their website, there is no information saying what the stage is and what they are doing until I see there is some kind of a settlement. I'm not gonna recommend CreditAssociates. If I have to do this again, I'm not gonna choose them.

CreditAssociates is a good company. I really like it. They were very helpful. I usually get texts right away if they negotiated. I usually call them but if not, they get ahold of me. Everything has been great so far.

I submitted eight accounts, and we are almost halfway through with our settlement. But I'm never satisfied because the term and conditions and how the system worked wasn't fully explained to me. That's from the representative that I initially signed up with and from calling over time. What I'm not happy with is the fact that I wasn't fully informed how often they make negotiations. I keep calling and inquiring and they just kept saying, "Oh, leave it up to us. Just keep adding funds into your account." But no one ever explained to me that once something was settled, aside from the monthly payments, if something else popped up, that that's how it works.

The application process was quick. We were able to do everything in an entire day, and we like that part. CreditAssociates' website is thorough and user-friendly, and I like it. I’m halfway in the program and it's been good. They are available when I need them (a lot of people aren't), and the agent does her job well. When I have a question, she'd answer it and tell me what I can do. When CreditAssociates reaches a settlement though, they just send me a text or an email, and I have to go online to the account to see what the settlement is. I'd prefer them to give me a summary about it in the email.

I feel good about the company because I have the report very often. They call and let me know how they’re doing. They work with Macy's or Costco credit cards, for example, and they let me know that everything is going fine. We make a $600 payment every month, and we are doing good. We're waiting 'til we can make a bigger payment, but it’s very hard for us to do it right now because my husband is the only working person here and we have a lot of troubles.

My brother mentioned to me that CreditAssociates helped him as well. And they were really good and just took care of business. So far, it has been great. But I haven't heard from them in months. I still haven't heard about one credit issue since November of last year. And then I was told that it was the last one, but I got a random letter from another credit issue, which I was told by the credit associate last time that I didn't have that. The last time I called them, beginning of December, I told them that I wanted to know the update on one of the credit issues and then this other credit issue that they had told me that didn't exist in my credit. And then they checked through. I get to settle. And then the other credit issue, they said that it doesn't come out in my credit score, so they assumed that it was taken care of, which was just no more than a few weeks ago I got that letter from that one that I had mentioned to them months ago.

Working with Credit Associates has been great. They're taking care of everything and I just have to make the monthly payments. And they've been good with contacting the creditors. They haven't been bugging me anymore, so that's good. I recommend this company. They've been helpful to me.

CreditAssociates has helped me a lot. But when they go through your situation and start getting it figured out and going through the process of getting your stuff done, it takes a while by letter that says, "We've informed you that we're working on this particular credit card," or it's under judgment at that time. I thought it would be a lot faster in that situation. Because normally, it's a do it or get it started, and they make a deal or they work out this deal, I would think they would send out a notification a bit earlier than I normally would just to let the person know what's going on. Other than that, I'm perfectly happy.

CreditAssociates has been good. They're resolving my debt issues, and I interact with the agent when there's an account to settle.

CreditAssociates negotiates accounts for me. The calling is pretty quick. And they've been helpful with the whole process.

The consultant from CreditAssociates was good. My payment plan worked out well.

CreditAssociates really gave me a good ease. I don't have to have all those bills. I just have the one payment that I'm making. So, that really helped me. CreditAssociates is very good and very helpful. I'm so glad that I considered them and called. I would recommend them. I tried to even recommend my brother to them, but they said they couldn't do it because he’s in Georgia. They don't work in Georgia.

CreditAssociates is doing what they're supposed to be doing. The first guy I talked to was amazing. He explained everything to me. The program is working so far, so I'm happy.

I couldn't pay those cards on my own, and it's been easier and such a big relief on me to work with CreditAssociates on it. My experience has been pretty good up to this point. They're very helpful. Everything has been pretty smooth and well-understood.

CreditAssociates is okay but right now, the representatives are not up to par. I tried to get a hold of them, and they changed numbers and their website and I can't get it.

CreditAssociates explained that if I started paying 600 and something dollars a month for 30 months, I'd be out from under the credit cards. I called one time, and they told me that they paid off US Bank. The guy that I had talked to right at the very beginning was Jimmy. I felt good talking to him in the beginning. He said he was gonna take care of everything and we were gonna pay that 600 something a month for 30 months, and it was gonna be over. I'm getting my credit cards paid off. I would recommend CreditAssociates.

Working with CreditAssociates is a good and bad thing. It seems like every time they get a credit card that they're working on, they call me up for more money. Right now, I'm on a medical leave, so I really can't afford any more money than what I'm giving them. They told me that it would be two years that I would get out of all of it and not be concerned about anything anymore, and I'm still working on the credit card companies and everybody else. It’s taking longer than two years. I understand it, but I feel like it's gonna be forever. At this point, I might as well have went bankrupt instead of doing this. The consultants have been good though. They helped me out. There was one credit card that wanted a couple of $100 right here and there, and they called them up and got it down to $50.

My experience with CreditAssociates has been very good.

When I called the person, I liked his answer and they followed through. I don't have an email so the rep did a lot of correspondence. But he said he followed up on. He was very thorough and I felt comfortable with him. In December, I had a tough time, so we skipped a month and there was no problem. CreditAssociates always came through. Now I know where I stand, and money is tight but I seem to manage. I would definitely recommend CreditAssociates.

I just wasn’t getting anywhere paying my credit cards off. I kept seeing CreditAssociates on TV. I called and talked to some guy. It was a very quick process and I love the guy I dealt with. He had a relative that went through CreditAssociates too. I'd recommend them to anybody. I talked to a friend about CreditAssociates and said she was thinking about doing it. I told her I was very happy with everything that was going on with CreditAssociates and I had no complaints. I was a little iffy about what I was supposed to be doing with the paperwork. But I would send it in and I would go online and it would be there. I must be doing it right. On the whole, CreditAssociates has been great.

I wanted to pay less of what I was paying with the company I was with. CreditAssociates was more reasonable with the payments. I had a wonderful rep who explained everything and was very professional. I’ve had two accounts closed so far. CreditAssociates has done a good job, especially Mr. DJ. He's very caring and sensitive. I had taken on a deal and hopefully, that will work out. It’s just for peace of mind. CreditAssociates is very down to earth and I'm satisfied.

My credit score is still the same. But I would like feedback on what credit cards have gotten paid and how much I still owe.

I gave CreditAssociates eight credit cards and four of them have been paid off already. I would recommend the company. Their customer service has been pleasant.

They were polite people and understanding. They wanted to work with me and told me from the beginning to work through this whole thing. There was a little bit of assurance. Everything was no more than what I've been expecting, looking for help for getting out underneath the debt. They've been working and they've done what they can. I'm satisfied so far.

After I compared three different companies, I found that CreditAssociates was the best way to go. After eight months, there are still three credit cards that haven't been finalized, but they've been really good every time I call. I was just in the hospital, and I got a letter from a lawyer from one of the credit cards. I explained how I was mailing it out to her because that was what I did the last time I got a letter, and she was telling me how it has to get in a timely manner. I was a little disappointed with that conversation because I just got out of a hospital. I'm in a rehab and she’s like, “You need to fax it to me.” That was a little not-so-compassionate. But other than that, they've been really good.

I've been quite pleased with CreditAssociates. It's a slow process, but it's positive all down the line. They've come through with everything they promised, so far. Their representatives are very well-informed, very responsive and very pleasant. They communicate when there's something needed to be done, and I'm also able to reach them when I have a question.

The reps were able to answer all my questions and explained everything that has been going on. They made the process straightforward. I was very happy.

I called CreditAssociates, and I spoke to this guy named Jeffrey. It seemed to be a right fit and it seemed to be affordable at the time. Now, I haven't been getting threatening phone calls from creditors. However, I don't have any idea where the $400 a month has gone and what is and isn't being paid off. They should let me know what's going on and what has been paid off.

CreditAssociates is doing everything that I needs to be done, which is consolidate my bills together. They're on top of it. They've been clear too. They write to me every now and then to let me know what's going on. That's good enough for me. If you want to do the program, do it.

I love what CreditAssociates is about. They're taking care of me and I'm giving them extra money every now and then to make sure that they have enough. Two of my credit cards are being worked on right now and the third one is in process. I still have one more account that needs to go to collections, so that I can give them that information before that gets drawn into the mix with the other three. The fourth one hasn't gone in yet, and I was thinking, "Well, how long does it take? Why can't they approach them first?" They told me that they need more finances on my account before they can even approach anybody else. As far as I'm concerned, everything seems to be working okay. I just regret it in a way because my credit score has went way down.

It's been a year since I'm in the program and from the beginning, I have nothing but good things to say, very eager to help and answer any questions. It was a pleasurable experience.

The consultants from CreditAssociates are personable and helpful. I wished my credit didn't take a tank, but that couldn't be helped. They explained my options and let me know how it would all work out.

CreditAssociates has taken longer than anything else. If I went the other way, it would have been faster. In other words, I have to do the work. I have to call the creditors. They don't do it. I did call in, and I have to call my creditors to let them know I'm with them. Then when they get the money to settle with them, then they do it. It doesn't make any sense to me. It shouldn't be the person with the credit to have to deal with the creditors. I wouldn't wanna go back in it. I thought that they would have done it and then I'd be done with it. You better do your research before you even get involved with CreditAssociates.

I needed help with getting some of my bills under control. My house payment was coming out from a reduced amount due to hardship. My house payment was going to double to make up for the time that I had been in the program. CreditAssociates has been good. They get in touch. I feel like the process is very slow moving. They originally told me the amount that I was paying them was gonna work in paying my things off. Well, the amount that I pay them is only covering three of the seven amounts that I had agreed to settle with them, and it seems like they're always calling and want me to add more to what I'm paying them every month. That started right away, within the first four months.

When I first started to call CreditAssociates, I wasn’t too happy and sure about it. So I put it off. I didn't go through with it. Then later on, I went ahead and did. The only thing, you got to quit making your payments on your credit cards, and that affects your credit score. Of course, my credit score went down. Then, for a long time, I didn’t think they were doing anything. It takes a while for them to get everything in and get settled because a lot of your credit card companies don’t want to cooperate. CreditAssociates gets on the phone and they ask you a lot of questions about different things. After you answer all the questions, they give you your options depending on how much it’s gonna be. So far, they're doing all right. I’m not getting any phone calls and harassment bills in the mail any more.

Since I started working with the CreditAssociates, I've been more relaxed because I know for sure that they're taking care of business.

CreditAssociates calls me when they get an offer and if the offer sounds good, I'll let them know that they can accept it. So far, so good. I'm comfortable working with them. If people need help with their credit, then they should do it with CreditAssociates.

We ran into some credit card problems caused by hurricanes and that's why we're using CreditAssociates. Their customer service is great. They seem to be very helpful, friendly and supportive. They've been doing a great job. I have no reason to change or look anyplace else. I know people that have used other credit places and they're not satisfied with them. CreditAssociates believe in their customers and they keep me updated.

CreditAssociates did a terrible job. I had several debts that were qualified to get on their list for settlements, and I went ahead and listed them. What they did was they came up with an amount that I could pay, which was $291 a month. Once that was determined, they went in and paid off one of my small accounts, which was about a couple $100. Then they got a settlement with the biggest account which absorbed every dime that I was paying so the other ones, I'm being sued for right now.

With the pandemic starting, I lost all my jobs and I got sick but I still want to pay my bills. I tried calling the bank and explained the situation, but it looked like CreditAssociates has a better way to talk to them. So far, so good. I have a couple banks that didn’t stop. So, they're still working on them. But the creditors are not calling me and sending me letters anymore. So, that’s been good. The only thing is I tried to change banks online and I couldn't. I have to call and do everything by the phone. It would be nice to be able to do that online. I tried to change, and they didn't let me do it because it was like three days for the day due. So, they told me they could not change. I have to wait for the bill to be paid, and then call. Other than that, every time I call, they help and they're all good.

I called CreditAssociates and spoke to Julie. She was very informative. I signed up for the $241 a month plan and they've settled six of the accounts already. I did call once or twice to reschedule a payment. They take that on the 1st of every month, and I wanted them to take it out on the 15th at one month. They said unless I gave them two weeks advance notice, they couldn't do that. I wasn't too pleased about that. But other than that, the program is going real well.

I talked to other debt relief providers before I saw CreditAssociates on TV and I was more impressed with CreditAssociates. They explained everything to me when I first got into the program. They were courteous and the information they provided at that time was helpful. I send my monthly payments in but I'm not very familiar with the program. I haven't talked to a representative since I first enrolled in it last year and I am wondering how much more do I owe.

It's going well with CreditAssociates. I had about three things settled, so far. I just never got a letter saying, "Oh, it's paid off." But overall, CreditAssociates is very good.

CreditAssociates had a better program as to the others that I was also looking into. The negotiation process with the amount that I would have to repay wasn't that great though. It didn't allow me to save as much as I can. But overall, working with them caused me to be less stressed than I was before. Their customer service is really great. They're always there to help and explain in very great detail as to how far we are and the process. So, it's really great.

I like my rep. She was very helpful and knowledgeable. She did call back and checked in to see how everything was going. CreditAssociates has been very good for me. I'm no longer in a lot of debt and my credit score is going up.

I wanted to consolidate my credit card and I used CreditAssociates, and I saw a lot of progress. I would recommend them because they are doing a good job.

I'm pleased with what's going on so far. They're reaching out and hopefully, this will get taken care of. I see that a lot of things are getting paid down. They seem to be working and I get notices all the time. I haven’t really liked that much attention though.

CreditAssociates seemed to be a good company. It's easy to get answers.

As far as the prices and access to information, it's perfect. You always can see what is being paid and how much you have left. It's easy to manage and understand as a customer. I am in the program a year and a half at this point according to the initial term but I believe it should be done sooner. Some accounts that were initially added in there but were in pending status, I paid them myself.

I'm not sure I would do this again because it impacted our credit score, which I knew it would. But I did not realize that some of the other stuff that went along would happen. Maybe that could have been explained a bit more. The rep might not have even known that it would have been impacted that much. One of our insurance costs went up just because of our credit score. I didn't realize that that had anything to do with it. And it went up 114%. I was disappointed with that. So, this has been more stressful than I anticipated. And some of the credit cards are coming back now and offering me a reducing with payments, and their reduction is less than what CreditAssociates claims to be doing with them.

Sometimes, I'm satisfied with CreditAsscoiates, but sometimes I'm not because I don't see any improvement. I feel like, "When can I finish? When can I be like before when I have good credit?” But I have peace of mind because somebody is taking care of that.

The rep from CreditAssociates was willing to help us with our credits. My main concern is I've been told I've been paid but the thing is I haven't seen who's paid, who’s not, and how much money has been collected. Those kinds of things are what we kinda worry about. I haven't fully gotten the result that I wanted. We've been paying the automatic payments $188 a month. A 3-time payment was collected from us which was 300 some dollars. The reason there was there was one of the creditors that they needed to pay off and there wasn't enough money.

CreditAssociates is awesome. I love them. They settled one account already and then I still got a couple more to go. I owe $30,000 and change in credit cards, and they settled down to about $20,000. They saved me over $11,000 from what I owed. If someone needs help and they're in trouble or can't make their payments, they should call these people. I'm very happy with them. They're good people.

I've been with CreditAssociates for about a year and they are doing good. Their reps have been calling me. I have no problems with CreditAssociates and I'd recommend them to anybody.

That gentleman that had helped me was very good. He followed up with me, called me a few times and explained stuff. One of my concerns was the online banking. I got bogged down a few times but the reps helped me to put it back and they were very helpful. I didn't have any additional problems. They get a good deal on my cards. Their goal is to get them down and they did that. I've had a very good experience so far.

The guy I spoke to was very nice and the program was very easy to understand. So far, CreditAssociates has managed to get two of my credit cards off already. I'm just waiting on two more.

CreditAssociates has helped me out. They got out all that interest and they would work with me. They didn’t want to talk at that time. I got one trying to talk to me a little bit, but they haven't called lately. For a while, I was getting two or three phone calls a day. Then CreditAssociates called me a couple of weeks ago, and we settled with Bank of America, and we did all right. I'm still making payments and I got one more with Capital One I gotta settle with. Everything’s been going well. They keep me updated on emails and I read that every now and then.

The debt consultant gave me multiple different plans to pick from which was helpful because I didn't know if my income was going to improve or not. Any time I had a question, I just call and CreditAssociates answer right away. I'm happy with it. I don't have to deal with all the bills. I have extra income now because they have lowered the debt payment. I wouldn't be able to recoup without them, so I appreciate it.

I started in July last year and while the payment plan was high for me, I also had my debt paid. All in all, CreditAssociates has been able to help me. They've paid three accounts.

CreditAssociates got my debt talked down to almost less than a quarter of the amount. And they're paying them off. I had eight accounts open, now it's down to six. The creditors dropped my score on my credit report. But down the road, it will be positive. It takes time.

One guy called me and said that with my QVC account, they wanted me to pay it off $2,000. I said if I had that money, I'd pay off any account, but I've lost my income and at that time, I hadn't even got my stimulus check. I'm assuming there's some progress being made. I'm gonna call them today and find out how I'm doing on my accounts.

CreditAssociates counseled me through the whole thing. They answered all my questions. It was questions that the rep got before. He knew how to answer them and he knew the answers right away. He answered any of my questions and took away any of my doubts that it would be any issue for what I was doing. It was very informative. And then every time I got a settlement or whatever comes up, CreditAssociates contacted me. The other remaining credit cards I have have reduced my credit limits, but I still have the cards and I'm still getting things in the mail that says I'm pre-approved for credit. I'm a third of the way through. CreditAssociates has everything organized as far as how they deal with the different creditors. It has unloaded all of the anxiety I had about these debts hanging over my head.

A lot of weight has been taken off of me since I've been working with CreditAssociates. My rep, Carvin, knew what he was doing. He’s been on top of my account. He explained everything to me and broke everything down, so I knew what he was talking about. I'm almost a year with the program and some of my old accounts are being settled. It opened up some new doors for me as far as finding better housing. I learned a lot about credit and how it works. I also learned about how late payments can affect credit scores. They've gone over a lot of me, just telling me to stay on top of my credit. I’ve been making on time payments every month and I've noticed changes in my credit score. I'm starting to get some of those old negative items removed from my credit report. A lot of things have been working in my favor.

CreditAssociates guaranteed that they would be able to stay on top of it and take care of things. There is just one problem that I see that can haunt them. I get no communication from anybody. Nobody calls me. Once in a while, I see an email. But I have to call their phone number. And if there is more than one item that is being paid off, I'd like to be advised that they've negotiated a deal, and they're doing it, and get going. But all I know is I'm paying 700 bucks a month. That's not a lot, but it gets things started. But I have no idea how much is being paid down on anything, or how many things are being paid on. I wish they would upgrade their communications effort. I have not had any kind of major undue or harassment by any creditors so I'm assuming they have contacted everybody. But I don't know that for sure, because I'm not being told anything. Other than that, it sounds like they are a credible outfit.

CreditAssociates should have been able to work with creditors a little faster to get stuff negotiated. They just keep telling me the same thing, that it takes time. Two of the four accounts they were handling, I ended up settling with the creditors on a lot quicker and timelier basis myself than they did. I'm about done with the program, so I'm not going to worry about it much longer. Be careful what you get into and make sure CreditAssociates fully explain the program because they didn't do a great job with me.

I'm not happy with my experience because I keep getting phone calls from the credit cards that I've turned in. And I keep pointing them CreditAssociates' direction, yet they still keep calling me. One of those cards that I gave CreditAssociates is my ex-wife’s card, and she's getting calls. Even I told her and gave her the account number to CreditAssociates, and they still haven't fixed the problem. I called once and they said, “Oh, we got to give them six months.” I gave them six months, but I was about ready to go somewhere else. I got one email from them saying they got one of the cards taken care of. But one of my cards called me up and asked me a boatload of questions about CreditAssociates. I said, “Here's the number, here's the account, call them. I don't know anything about them.”

I've been working with CreditAssociates for almost a year now and it hasn't been very good. They call once in a while to ask me to give them more money. But they don't call me for anything else.

CreditAssociates' reps were very polite, understanding individuals.

I had it set up to where CreditAssociates just withdraws the payments out of my account. They just contact me if I can go ahead and pay the additional and shoulder the principal. If I can make an extra payment in the month, then that's what I would do. Anybody that is in the position that I was in, go ahead and give CreditAssociates a call. Be patient and smarter with the budget and be careful on how you spend.

CreditAssociates seemed like the more logical route to go. I got a little squirrelly at the first, and then it was all good. And when it was all said and done, I was like, "Well, I probably could have done that myself." But you never know that until you go through it. And there was one I settled on my own. Then some guy was trying to dissuade me like, "Oh, no. Now, if they come back and try to fight you on it, we won't be there to defend you or something." It didn't make sense. But then the last one, I was like, "Well, I already agreed to pay for your services." It was that one girl, and she was like, "Well, it'd be another 4,000 for us to settle it." "Well, then I’m supposed to do it myself." But now, I could just defer all those damn bill collectors to them, then it was a relief. I'm completely paid off. I wanted to do it in a short period of time and I knew I could accelerate it and just bite the bullet. But I'm glad it's all behind me.