CreditAssociates Reviews

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.

I looked at other agencies that were doing the same thing, and I decided to trust CreditAssociates. I'm satisfied with what I did. They want to know what I need and they try to take care of everything that I have questions about. I don't have any credit calls anymore. My credit rating is going up, and they have reached an agreement with over half of the clients that I had. I'm very satisfied.

I gave CreditAssociates a call one day and then went from there. We set everything up. I had to give the rep some basic information. And then, they do their thing from afar, without having to talk to me on a regular basis. I just know, confidently, that they're taking care of what they have to do. Also, they are always courteous and willing to help.

CreditAssociates' rep was very kind and helpful, and explained everything. CreditAssociates totaled all of my debt, and then let me know how much it would be and what they could do for me, as far as possible settlement. And then, let me know the amount of time that it would take for me to pay off all of those. And then, let me know what my monthly payment would be. They work with me to get something that will meet my financial situation that I'm in so that I'm not paying an extreme amount of money, yet I'm able to pay off my debt.

I spoke with the agent from CreditAssociates and he explained to me better than the other person. Also, the rate was more affordable for me than the other company. Every time they have an offer, they reach out to me. They send me an email that they want to talk to me. They send me a text until they get ahold of me. But normally, they ask me first what I think about it. It has been a long process because my debt was a lot. And they tried to figure out what the amount that I was able to pay by that time. I started September last year. They already settled a lot on my account with a pay program. The only thing is they're still making the payment. But they keep working on the other ones.

It’s gonna be a year in July that I’ve been in the program and CreditAssociates is dealing with my situation. Their services are good.

CreditAssociates has been very pleasant. And when I call, they update me. They seem to know what they are doing. They explained things to me, and how it's going to quiet me down so I'm not as nervous. It makes me feel at ease because I'm nervous about the whole thing. Hopefully, I will be out of debt like they promised. It's halfway there.

Things happened like they said it would and I have like a portal if I need it. Otherwise, CreditAssociates only contacts me if there's a change. I'm about halfway through the program and it's been helpful. It's hands off, which is nice. It's less stress.

CreditAssociates told me how much I would pay monthly and is making sure that I could afford payment monthly. It’s working well for me.

We had quite a bit of credit out there and CreditAssociates has helped pay some off. It feels good. All in all, I'm more than happy with them. They've been good to me. They've held up their end of the bargain on what they said they’d do, I'm doing my part by paying what they told me I'd pay and it’s working out good.

The reps explained everything, so I could really understand what was going on and what they were going to do. CreditAssociates almost had HSN paid off, but I would like them to let me know when they get one paid off or they're close to getting one paid off. I wish they could let me know by letter. I don't know their number and I get a lot of 800 numbers (a lot of spam), so I don't answer an 800 number since.

I get my credit score, it goes down some, then it goes back up. And by doing this program with CreditAssociates, I managed to pay off a couple of other loans I had and it's helping. I'm getting where I need to go.

When I try to fax information to a number, it never would go through. I was directed to another number, and it might go through one time, but then the next time, it won't go through again. After that, things are picking up a little bit. After a few months, I started seeing some changes. The first part of the program is going to be rocky, but CreditAssociates does what they say they are going to do.

CreditAssociates went ahead and settled one of the accounts, and it was a time-sensitive issue. There was not enough money in the account to cover the debt, and they wanted me to put out more money than we agreed to. I agreed to that one, but I said I can't do it no more. Other than that, everything's been good. In every respect, working with them has made life easy for me. I didn’t have the burden of trying to make every bill at the same time.

I liked the way that my CreditAssociates rep explained things to me and that it was going to be what I was looking for. I was 95% comfortable working with the company. I just wish the last agreement was handled differently. They made the agreement and when I called them, they told me they already paid the first month's payment and that they let me know about it. But they didn’t notify me that they made the agreement. With the other ones, they called. I had a three-way conference with CreditAssociates and the JC Penney creditors. I felt very good about that. But with the last one, I didn’t agree with the way CreditAssociates did it. I was angry and I cancelled it. Other than that, working with CreditAssociates was fantastic. I had more sleep and fewer worries.

CreditAssociates is working on helping me with my credit card debt, managing all that, and getting rid of all those cards. It's a three-year deal and I'm a year into it. It’s relieved a lot of kinks in our lives. To get rid of all that and have them deal with everything seems to be working out well. I'm happy with everything and I've recommended a couple of people. It’s good deal.

I thought that CreditAssociates was similar to the one I did years ago and it was totally different. I didn't like the idea that I was getting all these calls from my creditors. They don't even know that I'm in the program and that was weird to me, so I tell them, and they tell me to tell CreditAssociates to send them a proposal. Before when I did it, the company contacted all of my creditors when I first started the program to let them know that I was in that program, and that stopped all the calls. I would have like to see CreditAssociates do that even if they weren't able to negotiate at that point. I'm going through a lot right now and getting calls on the phone and threatening letters from the creditors all the time are stressful to me.

CreditAssociates was fine and I liked the full-on services that they provided. Customer service was very helpful. Everyone was very upfront and knew what they were talking about. My rep was very competent. CreditAssociates worked for me and it was stress-relieving.

CreditAssociates was advertising that they could save a lot of money. Their rep put me through all the steps and I was able to get it done. I had one credit card that got out of control and I didn't wanna pay it anymore. I’m still paying for it every month, but at least now I don’t have to hear from the creditors. I ain’t crazy about that money coming out of my account every 9th of the month, but I have to pay it.

I was not working during the pandemic and I wasn’t getting enough hours. I availed of CreditAssociates' services and they're doing a good job. I received an email saying they wanted me to confirm something.

The reps have been very helpful. There have been a couple of times I've had to call and skip a payment because I haven't worked since August, and they've been very accommodating and very good. Working with CreditAssociates is very painless.

I tried to resolve my credit card debt myself but it was getting harder and the companies weren't really willing to work with me. I went to CreditAssociates and I extremely appreciate that they are taking over the anxiety and worry about my debt. I would like to have everything paid up. I appreciate CreditAssociates' clout and how they are helping me so that I don't have to be constantly harassed by the company that I owe to pay. They also negotiated my debts down so I don't have to pay all the original balance. My credit card debt was $16,000 which was too much for me. One of the nice men I spoke to said they could reduce the debt to half. I was on board with that.

I like the guy from CreditAssociates that worked with me. That's the only reason I took it out. He was very nice and explained everything. He asked me how long I wanted, and I said not over two years so that’s what we set it up. We first set it up to 600 a month, but then I increased it to 1,000 to get it paid off quicker. CreditAssociates is good so far.

Maria from CreditAssociates was very good. She explained everything. Four of my credit cards have already been paid off. I'm still waiting for three more. I’m happy.

CreditAssociates really cared about what was happening and they could really help my mom. My mom was in credit card debt of over $30,000, to which she had no recollection of how she got there, 'cause she had nothing to prove for it. At that frantic point, we just needed somebody who cared and could help. We had a lot of different people representing the company who all did a very nice job. But it's almost every time I would speak with someone, I'd have to reiterate what we had gone through prior, so I was repeating myself a lot. But they had my mom's interest at heart, so that was good. I thought it would be handled quicker. But we're not quite done yet and it's almost been a year.

My interaction with the CreditAssociates rep was very helpful and answered all my questions. We added all my debt and came out with a reasonable amount to pay monthly. Also, it's very easy to access your account on the internet and upload documents at the beginning of the program.

CreditAssociates told me what they could do to get me on a program to get rid of my credit card debts. It sounds logical to me so I've tried it. And so far, it's okay to me. If they negotiate on a bill, they will call you and tell you what they negotiate and how much is the offer. If there's not enough money in the account, they will say to you that they would get this offer if you were up to it. But since there was not enough money in there, I could offer $50 more or what have I for a certain period of time so that they could take the offer as quickly as possible and eliminate the bill. That's what I do sometimes. Once they may get an offer and it sounds okay to me, I'd tell them to go ahead.

CreditAssociates has been doing very good. The rep had all the answers for my questions. CreditAssociates was the answer to most of my problems.

CreditAssociates has been working well so far. They cut down on what I had to pay every month and that was a blessing. They called me about every month or so and they were very friendly. They are still cutting my debt down. If I hadn't gone with them, I would be paying forever. I'm satisfied.

Going with CreditAssociates is not as harsh as bankruptcy. I'm in the program for 36 months and I'm a year and a half in, so in a year and a half, my credit will be cleaned up. I will have the 10-year cloud looming over my head paid off.

I started in March of last year and I've been in the program for a year and a couple of months. So far, working with CreditAssociates has been okay and I'm very comfortable with them. They take the money out and they do whatever they have to do. When the girls call me to tell me any little updates there, they explain it well. They call me whenever there’s a problem. They also ask if something is okay. They send me emails too.

I spoke to an associate and we discussed the different options and plans that CreditAssociates has. After looking into theirs and a few others, we decided to go with them. They were more in depth in explaining the program and taking care of things. They've been Johnny-on-the-spot with calling and discussing the different settlements, and getting things taken care of. As things go along, I get those close-out letters and saying that I am taken care of and things are complete. That’s one of the biggest things there, is having those letters from your creditors sent back over to you.

CreditAssociates is a company that you can work with. My rep was good and so far, I'm comfortable working with them. I'm supposed to be finished with the program next year in April but I'm finishing before that. I have to put in more for it to be over sooner.

The customer service on the phone was good. I've checked four times to see where CreditAssociates was with my accounts and that's what I enjoy. My initial contact was good as well, but the downside of the whole situation was that it took them a long time to start resolving the problem with my creditors. I have five accounts and although they settled two in the first three months, it took a long time for them to resolve the others.

When I first spoke to CreditAssociates, I was thinking about it. Nowadays, there are so many scams. So I did a little research online and see if they were legit, and if they had a good rating. I checked it out a bit before I decide to do this. My husband said, “Go ahead.” Then I called. I'm from Texas, and the first guy I talked to happened to be from Texas too. We kind had a nice discussion. I just felt comfortable.

When I signed up, CreditAssociates said that they would take a fee out but I would be out of debt within three years. My credit was good when I went to them. I was comfortable going through the process and they paid off one account. But now, my credit is going bad. I found that they only pay one person at a time and they are keeping the rest of the money. It was the fee. They then say, “We got another payment but you have to pay more.” I would have liked CreditAssociates to be more upfront with me. I’m gonna call them and cancel because they get more money than paying my bills. I’m gonna tell them, “Don't even go through my account this month because I'm gonna start handling it myself.”

CreditAssociates takes $169 a month from my bank and my experience has been good.

Working with CreditAssociates has taken a weight off. They were very clear and helpful, especially during a time where a financial crisis hit. I would recommend it to others.

The CreditAssociates rep told me about what they could do for me and then how they would do it. Then went ahead and went through my credit checking and got all of that setup. They said it could take a couple of months to start seeing debts get settled. ​It wasn't super quick, but it wasn't very slow, either. I ​am completely happy.

CreditAssociates was available and reduced my obligation. They helped resolve my debt with a reduced payment plan. Two of my three credit cards have been solved. The continual overpayment goes on forever. Now I can see an end result. It's remarkable that this experience is available to anyone.

CreditAssociates has negotiated at least two of my cards. The last I heard they were working on one. I would like a little more contact. Otherwise, I’ve been happy with my experience.

CreditAssociates told me what to do and I did it. Everything was straightforward. They said the program would take three years. I just pay the monthly payment automatically and just wait until the end of it. There were three debts, but there was still one pending.

They put me on hold until they get me to talk to somebody who can help me. Most of the time, they couldn't help me. Also, their fees are very high and they haven’t been able to settle all claims. One of them filed a suit against me already. So, I don't know what I'm gonna do. Gotta give them a call and try to straighten that out. I'm not happy with them at all.

My experience with CreditAssociates was not what I expected. It's been well over a year and some of my creditors haven't had communications with them. CreditAssociates holds 'cause they make sure to get all their money first before anything is taken care of. Then they're constantly saying I have to pay more money per month. There's a set payment, but they're like, "Oh, we can settle with this account, but we need another $5,000. That doesn't work for me. If I had that amount, I wouldn't have done CreditAssociates's program.

CreditAssociates is a great service. The accounts that they were able to handle without me made things super easy. And the coaching I received for the accounts that I had to call in myself was amazing. I set up payment from my checking account for the last debt that I owed and that was for USAA. The only thing is I'm not sure if there's a balance left over. Other than that, I appreciate CreditAssociates' help.

The only negative comment I have was that I did not know that CreditAssociates would get a pretty good chunk of the payment when we settle on an agreement with one of the creditors. I want to see where the settlement lands with the last two creditors that we're going to be reaching out to after we get to a certain point with the three that they've done. I want to see if I can get that settlement down a bit further because of the amount of money that they're taking.

CreditAssociates seemed to have good reviews online, then I looked at the website and spoke to the salesman. He wasn't just selling me a product, he thought that they were doing valuable work and so far, working with them has solved what was a serious financial problem. They know what they're doing and for the right circumstances, going with them is the best solution. Right now, the banks don't seem to understand at least one of the accounts that's been resolved and there's a way to get them to acknowledge that it's been resolved, but I haven't done it yet. I have not followed up properly on that and I know that the CreditAssociates can help me, but I have to reach out to them to do it. Other than that, the people at CreditAssociates care about what they're doing.

I brought CreditAssociates three accounts and they told me the program would take about 24 to 36 months. They calculated the amount that I should pay on a monthly basis, which I agreed upon to pay directly from my bank account. They started getting the money. Down the line, I saw my credit was going down the drain. Now, I can't even rent a car. When I contacted CreditAssociates, my credit was initially at 650. Now, it's below 500. I asked CreditAssociates why that was and there were all kinds of stories. I'm very unhappy with them.

CreditAssociates hasn't contacted me. I don't know what they paid. Last time I heard, they said they were paying off two and there’s one more left. I don’t know if that’s true or not. They said to check the email but I don’t have an email. So far, they’re pretty good but I want to know more of what’s going on.

Working with CreditAssociates has been pretty good so far. They understand my agenda and they're very active in bringing my credit to what I want it to be. I just need to move a little faster on my end. I'm ready to come up with more funds.

I communicated with this guy who set up my account with CreditAssociates and we talked about the payment and what the final total would be. And we did the electronic signature and authorizations. He has been extremely helpful and friendly. We've made a lot of progress although I’m not sure exactly what's still left pending and what we've got settled. It would be nice if I had a statement every once in a while or even an email that updates me on what my balance left is and how we're progressing with some of the other credit accounts. But everything seems to be good with CreditAssociates.

I always kept my bills paid but it took every cent I had. I couldn't live like that anymore. I went to CreditAssociates and they've been wonderful. They helped me so much. I put so much in a banking account and I gave them permission to be able to go into it when they are going to work with one of the credit cards to pay them off. They've paid off two of my credit cards already.

I don’t understand the whole process but I can go on my computer and check the progress whenever I need to. As far as I know, I'm getting close to completion. I'm paying $200 something a month which CreditAssociates is dividing it up to certain creditors. But there are some creditors CreditAssociates can’t pay. They're saying I don’t have enough in my account. They always want more money that I don't have right now.

The lady I worked with was very helpful. She was straightforward and she explained to me every detail including my payment and my APR. I'm very appreciative of CreditAssociates.

We’re still making payments on our debts but CreditAssociates got me a lower monthly payment. Everything has been great.

We're doing quite well with CreditAssociates and I'm very satisfied. The money is held out each month and I get a statement. They have helped me immensely to be able to cut my payments down and also the principal.

I was spending almost my whole disability check to pay the bills and with CreditAssociates, it's much better than paying something on every bill and all the extra. The reps aren't condescending too. However, I keep getting bills from the other creditors that are not paid and I wish CreditAssociates would stop them. As long as CreditAssociates can pay towards some of those accounts, I'll be very happy.

I saw CreditAssociates' commercial and what really got me was the line, "We're going to tell you something that the credit card companies don't want you to know. That you can settle this..." With report cards and everything else that is on that, just one account would take me 13 years to pay off if I make the minimum payment and never charge another thing. CreditAssociates made perfect sense over filing for bankruptcy where you can't really have anything.

The rep from CreditAssociates made sense and he was friendly. The way he talked to me made it where you could understand what he was saying and what was going on. The two UC Bank credit cards are being worked on although I keep bill letters from a bill collector on Capital One. It would improve CreditAssociates' service if they would text me every now and then to let me know what's going on, especially with Capital One since I don’t have the internet and I don’t use email. I realized that even though I was making minimum payments on my credit card, my credit score was still dropping. So, I feel comfortable that I will get my credit score back. I know that they’re gonna work with Capital One and communicate with them.

I was paying my bills but getting nowhere. CreditAssociates told me what they would do and they did it. The credit card companies have stopped calling me. Give CreditAssociates a call.

We've been with CreditAssociates for about a year. They help me take care of some accounts. Our experience has been good.

CreditAssociates always let me know where my status is all the time and if a good opportunity comes, they always notify me. The reps are also very friendly and very informative. So far, the progress is going very well and I have my payments budgeted into my finances now. And I'm trying to program myself a lot better than I was in the past years. Also, I've gone over a year with them and I have creditors now asking me if I would like to apply for credit, which I won't. But I enjoyed that just for the fact that things are getting put together, which is a nice feeling.

I don't hear from CreditAssociates. They just take my money out of my account. They told me how much it’ll be and I said okay. They did three credits and then I did two on my own because they sent me a letter and said if I owe somebody $600, they told me to call them and give them 271, then they’ll clear it. But I don't understand how CreditAssociates, if they send me a letter, the credit department knows that I'm with credit when they look it up, so they should’ve done it instead of me. They ain’t calling me saying that they did this or they did that. The only time I heard from them was when they took $194 out of my account. When I called two and a half months ago, the girl was getting all smart. I told her not to get smart with me. I'm giving them my money. If she doesn’t like her job, she needs to quit. I wonder where else can I go.

The initial person from CreditAssociates that I spoke with was really nice and accommodating. Usually, everything that I would ask, he would answer. I still have a couple of questions about how they take money for their own company out of what we pay. I'm not really clear on that but everything else has gone pretty well. The last couple of times, I spoke with somebody about the Discover card thing that they presented. I was detecting some attitude from the couple of persons that I talked to when I told them that I couldn't accept the offer. I can't worry about that because I know what my husband and I can do. There was no way that we could have taken that offer twice. It's too outstanding and it's too difficult for us.

CreditAssociates gave me good information when I called. We took the chance with them and everything is going great. I just need one more credit card and I'm done paying what I owe. CreditAssociates always has time. They call me every time that they want to close a credit card. They tell me, "This is how much we're gonna pay. Will you like it?" That's what I like a lot. I gave their guy's number to a lot of people.

Working with my reps was awesome. They're always willing to help. I went with them for credit card debt. I'm not hearing from my creditors so I guess Credit Associates is doing their job.

Last year, my husband was laid off because of the pandemic. I was working from home, then I have five credit cards and the interest was so high. I lost a lot of money. I heard about CreditAssociates and when I called them, the rep I talked to explained everything to me. She took her time and answered my questions. Then, I decided to move forward with them to pay less amount than I was paying with the credit cards. So far, it seems that we already settled three accounts because I got some of the stimulus check. I put in more money to my account with them and they settled the biggest account, which was with Bank of America, then we have one left. All in all, CreditAssociates help their customers get out of the debt quickly.

I had gotten an advertisement from CreditAssociates and I liked the way it sounded. When I called, the person I talked to was so nice and very understanding that's why I went with them. Then my email got so screwed up and so I called and told them that I had a new email, but I haven't gotten anything from them on that. I don't check my email too often either because I forget that’s on there. I am just depending on them to do what they said they were going to do. They have been very kind to me. All I do is try to make sure I got money in my account when they take it out.

The rep of CreditAssociates did a really good job explaining to me about everything that was going on. The only problem I had, every time I try to open up and check my account, I can’t do it. They always say I put the wrong numbers in there. But I know what I put in there ‘cause I wrote them down, but it just will not take. But I don’t mind calling and checking up on it. And when I call, everybody’s been nice.

The reps I worked with at CreditAssociates were great and very informative. I got a number I can call anytime and they converse with me to let me know what's going on. They're doing a good job and so far, I got one more year to go. If you got something you can't handle, they'll handle it for you to your satisfaction.

None of the debts are settled, but CreditAssociates has started. This is my first time going through this and the process is slow. They told me that it was gonna take 42 months, so it's not really a surprise. I was just hoping that it would go a little bit faster from that month. But I see that they’re working on them, so it kinda gives me a little relief. They've reached some negotiation agreement and they are paying on some of them. Then when I need help, whoever's available answers questions, which is one thing I don't like. The communication was not so good. The only time I've heard from them was when they reached settlement with one. That’s it.

CreditAssociates called me and asked me if I'd be interested in them helping me try to get my credit up to speed. I had a long talk with a lady. I told her, "Look, if it's a credit repair, I don't need that.” She said, "No, we're not." Then she explained it to me. I'm not easy to convince, and it sounded really good. The biggest thing is it takes so darn long to get things squared up with these creditors. It took about six months to see the first debt settled. There are only a couple that have been settled and I'm on a two-year contract with them. I'm depositing $700. At first it was 500, but one other creditor came up. It was a $5,000 debt. I had to add to it. So, I've given them $700 a month for two years, which is about 16 grand roughly. They made a very good deal with Lowe's, which I was very happy with. The first one was okay. They've tried to settle in a couple of them, but I've not agreed to it because it was not good for me.

They've been easy to get in touch with and they've always answered my questions when I had one. They're doing a great job. I appreciate the professionalism with how everything was handled. My experience has been really good. It’s a lot better to go through CreditAssociates and have it broke down into a payment you can afford than filing bankruptcy. In the end, it's gonna give you a lot better credit towards the future and get these accounts that you have that are just eating you alive off your back. And it really gives you peace of mind.

CreditAssociates gave me the monthly payment to pay for the credit card, so I did. I'm satisfied with their service and their rep has been informing me about the status, so this is going to work well. But the process is taking long. They said it was going to be finished within six months, but it’s been over six months.

CreditAssociates gave better terms on what's required, how much my payments are going to be a month, and what I had to do. Everyone there was very friendly to me. They consult me if they have a deal that they're trying to close, like the amount of money. I've been able to save a few dollars and I can use them for all the bills that I have for hiring an attorney. They're wonderful and they're great to do business with. They're getting rid of my creditors and I'm fine.

There are positives about CreditAssociates and there are areas that I feel could be improved. They've successfully taken care of two issues for me at about what was expected and represented. The areas of improvement begin with one of the cards I had enrolled. My wife was the primary on it and she said that she got a call from the issuer and they offered a deal that was phenomenal. She accepted that and we deducted it from our plan. CreditAssociates accommodated, but their portal doesn't contemplate the change.

The experience with CreditAssociates has been good. We get a statement every month and then, we keep an eye on it.

No matter who I worked with or talked to, everybody was fine. They tell me what the payment was and what it would be, and if it was a little bit too steep in, I tell them what I could afford, and they work it out so it could be exactly what I want. I've been in the program for a little over a year now and it's been sailing right along. It really has helped me out a whole lot. I need to wait a little bit longer for my credit card turning back around. But it has been turning a little bit. I know I got to be in the program a little longer before I can really see the difference.

CreditAssociates did a good job so far. They did my Macy’s and my Victoria’s Secret. I still have the Acme Furniture store and I got one credit union. So, I was gonna call today and see if I can add them. But they asked me for a little bit more money right now and I don't have it. I'm very satisfied overall.

I want to get all these bills paid. But I regret using CreditAssociates. I looked at the bank account to see what was being closed out, and it's weird how it shows. For every one fee that is being paid out, somebody else takes two things out. Also, they don't communicate with me. It's hard to get answers to things.

CreditAssociates should offer better online tools that gave a full accounting. I know that a lot of the profit margin in this is playing with the float and having a big balance that they are working with. I have no problem with that necessarily. I can understand why they'd wanna hide that, but I would like a little more visibility into the settlement process. I'm an accountant and finance person by training, so I try and tie out the numbers between my settled accounts, my account balance and what remain to be paid out. I have a hard time tying all those numbers out, so I just have to trust that things are happening where they are. I'd like things to go faster too. Other than that, so far, so good.

I've sent a few requests on other accounts that have been coming in and I haven't had a way to verify if they've been getting paid or not because I don't know how to use a computer. I asked if CreditAssociates could send me a paper account. Then I wish the debt consultants improve on communication. They sent me a whole brochure on how to do that, but I don't know how to use it. My daughter usually does everything for me, but she's very busy now and she hasn't been able to help me.

When I signed up, the rep was very informative and made sure I understood how everything worked. Everybody has been really nice and the customer service is great. We have gotten a couple of people paid off, which is amazing. Also, it's affordable.

CreditAssociates has settled some accounts for me. Everything has been going well. I don't worry about getting the bills that I turned in to them paid, and when I put in my monthly payment to them, and they get it, it has accumulated enough for them to negotiate. They do it and they let me know, even though that they are in negotiation, and they let me know when it's done. First, they want to know if I approve of it. And I do, so they take care of it. They have done a great job to me.

CreditAssociates made things much easier for me. They contacted the companies and payments are being made. Two were paid off and we're doing what they tell me to. They've been wonderful and great and I hope I never have to use them again.

I’ve had four cases, and two of them have been resolved. There are two still active, and I haven't heard anything, but it takes time. I have to have patience with the process. Most of the time, the onus is on me to call and say, “Hey, what is our status?” The online platform will allow for you to review it, but it won't tell you where you are with with the negotiation process. If they could contact us clients more often to establish or to offer up where we're at in the process, that would be helpful.

I've had a good experience with CreditAssociates and they seem to be taking care of everything. My payment was selected for me and it was fine. The program seems to be helpful and my debt is going down. I am at a third of the program. CreditAssociates would be helpful if someone needed it.

The reps are very considerate and so far, they've been doing what I signed up for them to do, which is to pay the bills off. They were slow with the first one though, so I would like to know how long would it be before they pay the other one off. The lady kept calling me and they hadn't made a payment. I was concerned about that until the lady called and explained it to me.

My credit score has gone up a little bit since I've worked with CreditAssociates. With the accounts closing, I've been able to see my credit score rise up a little bit, and I'm trying to keep it going. I let them handle everything. It's been a while since I've talked to anyone over the phone from there, but it went well. I waited a little too long because my initial monthly payment was a lot lower than the second time. I wish I had been with them sooner. I’ve had some positive history with them. You should try it out and see if you will like them or not. If you will, that will be great.

I have explained to CreditAssociates many times. I was out of work for nine months in 2020. We started CreditAssociates in May when I found out I would lose my job. I was out of work for three months, and then I got a job. I'm a consultant, so it was supposed to last for a year. But COVID hit and it only lasted for seven weeks. Since I had such a hard time finding that job, and then it only last seven weeks, I knew I was in trouble. I had set to pay a certain amount of money. But then, I couldn't pay that much money. So we cut it down and CreditAssociates was very good about that. It started out with me paying $900 a month. And then when I lost my job, we cut it down to $200 a month because I had no income coming in except unemployment.

I lost my disability income and wasn't aware that it was stopping. I'm 65 and even had previous paperwork which was left in my desk at work 'cause I returned. I had a seizure, and being in the hospital for three weeks, I never returned back to work. When they boxed up my stuff, they didn't have my personal insurance information and employee plans and benefits in there. It was supposed to last 'til age 70 and they cut it off at age 64, on my birthday in March. I called CreditAssociates to see if they could help me get my cards paid down because paying even a minimum amount, with 28% interest, it appeared I would never get them paid off. On some of them, my interest was over $50.

The reps have been good. We went back and forth about the payment plan that was somewhat negotiable and doable on my part.

I fell into some credit card debt. Some of it was fraud, but I'm responsible for it. I talked to quite a few institutes that do the same thing and CreditAssociates seemed to be able to negotiate in the same amount of time, the lowest payment and still pay off my credit cards. Everyone seemed to offer the same thing. So far, it's been an okay relationship. I pay a certain amount every month, and I've been able to not pay certain months as well. If something has come up and I need that money for something else, I'm only delaying my own credit payoff.

Everything's been pretty good with CreditAssociates. As far as communication goes, they’ve been doing good. I talked to Katrina. She was real nice, and she got me convinced to do it. I'm trying to rebuild my credit right now, so I'm trying to get my credit a little bit better because with the situation that I had, I just couldn't pay it off and it was gonna take forever. I saw this opportunity, and I was like, “Well, I’ll go with them and hope for the best.” I've been pretty happy. They've always let me know what's going on. I know they get a pretty good percentage too out of the settlement, so I'm just hoping we all come out happy and settle it all and not have to worry about it later.

The associate that I spoke to was nice enough. We came up with a plan to kind of reach my goal that by 30 I’d be debt free. The process was seamless and I do see that a lot of my cards are already being consolidated and we're working on them. At times I find it can be a little too much with me because of the pandemic but it has certainly been very well for me. If I give CreditAssociates a call, they'll try to work with me. That's the most important part of customer service - working with the customer. I do love being a part of this program.

I've been with CreditAssociates for a year this month. I talked to Chris and he was a really sweet man. I told him that maybe when the next stimulus check comes, I might pay what's on my account. I paid an extra $1,000 one time. I was told that brought my account down to 22 months. I plan on paying an extra $1,000 if my son-in-law gets to come home from the hospital.

CreditAssociates would not send me the settlement agreements that would come. I was told that they're understaffed due to COVID, and I explained that that's not an excuse as I'm paying them for each account that they're settling. Because they failed to respond to me, that settlement then went out the door and I had to go back into a queue till they decided to renegotiate a new offer. In turn, it adversely affects me because it takes a bit longer for me to then graduate from the program. I'm also trying to buy a home later this summer. That happened on several instances.

I was struggling to make my bills and CreditAssociates was the only one that would work with me. I'm able to make my bills and pay what I can. Based on my payment information on what I could afford, they gave me a lot lower payment cycle. I increased it by what I knew I could afford to pay it off quicker and they were willing to work with that.

Every time they initiate a new agreement, they call me and ask me first whether I want to do it or not, and advise me at the same time that they feel I should do it or shouldn't do it. So it's been really well. They've taken care of two of my bills, and they're working on two more right now. I would recommend them to anybody.

Things are going smoothly with CreditAssociates. Everything seems to be in place. In the beginning, they had me have all my paperwork and bank account numbers. I had to have all my ducks in a row. Everybody that I worked with was very helpful, super polite and really great to work with. The cost is perfect. They're willing to work with me on a split, and it works out great.

My husband and I went through CreditAssociates to consolidate and they were wonderful then. It was before he passed away. This time, my son was very needy and I couldn't say no to him so I chose CreditAssociates. I'm very dissatisfied but I'm not sure how to get out of it. I’m paying them monthly but they’re not making payments and now, I have a court date in June for one of my larger cards because of lack of payments. I tried to call them and they said that they don’t pay the smaller part first.

CreditAssociates told me that they were gonna negotiate everything. But what they did was just pool all my money and negotiate my accounts one by one or by two, and then the rest, they stopped paying. Now my credit is not growing because they stopped completely. The way it was before CreditAssociates, I was making little payments to everyone, but my credit was growing. At the end of the year, my credit is lower than it was. So I was confused about that. It's nothing about the way they treat me. Everything is good there. But it's the deal as it's done.

Creditassociates was able to work with me, all of the accounts that I had, in a certain amount and criteria. I'm still in the program and they're working with the creditors, so it's working out well. It's a great deal. I don't have the pressure of not being able to pay them each month.

It was easy to sign up with them, except for when I had to go to a fax place where they had to do everything right then by fax. Since working with them, I'm able to have a little bit of spending money and I can buy groceries.

I spoke with an agent from CreditAssociates and I liked what he was saying. Working with them has been good. If I have a question, I call them and I get an answer. CreditAssociates is a good place to go.

I'm very happy with CreditAssociates. They automatically take the money out of my checking every month. They're doing their job. The guy that I talked with in the beginning was really helpful to me. I had never done this before and he explained everything and how it worked. We went back and forth a couple of times, and finally, we got it set up. He was very good with me. My credit score is my big thing. It has not gone up. I thought that by now, it would have gone up. In all the time that’s been, we still have a low credit score. I have to get that up to 550 and above to get the the low interest rate on a VA loan right now. They won’t do it because my credit score still is at 525. I thought that CreditAssociates sooner or later would get me up there so that I could get the VA loan and I haven’t heard a word on it. That was the only thing because the guy told me he would keep me posted as my credit score started going up.

The reps that I worked with were very good. They were very thorough with everything. They came up with a price that I was pleased with. I've finished a year of the program and I got three more to go. They have paid off three of my accounts. Anybody I talked to to ask a question was very nice. They come on the phone right away. Since working with them, I don't have to worry about things and it's just one payment a month.

From what I was hearing, CreditAssociates was doing a good job. I went with them, but they haven't paid anything off. I can't blame them for everything though. I'm financially strapped and I can't give them what I should be. I've had to keep dropping the amount and they've honored me every time that I've had to drop it. I started out with 500, then I went to 300. Right now, I'm at 100 bucks.

So far, CreditAssociates seemed to be on the up and up. They don’t seem like they're mad at the world every time you talk to them. They're very nice. The only thing I don't understand is that I've got two of the credit cards paid off but my credit hasn't went up any at all. My credit is not even 500 yet. But I haven’t worried about it that much. I get a receipt when they're working on deals with credit card companies. I feel more confident in them. But I'm not gonna be 110% confident until I know these credit cards have been paid off.

I spoke with people three or four times and everyone was very nice and helpful. A lot of stuff I did was over the computer. They were emailed over, faxed, and scanned over. Four of my accounts are paid off and it was very easy. The money comes out and I have it set up so it's automatically done. I don't even have to think about it. Every time CreditAssociates gets anything where there might be a settlement that they can do, they would reach out to me and let me know. I felt comfortable and they were very professional. They made me feel like my money was going to go to the right places. They were able to get the best settlements or payment for me that that could be had. It's definitely better than what I could have done by myself. When she was looking into something, I gave her the information on CreditAssociates.

I get emails from CreditAssociates and and they look like they're doing their job. So, everything's going good. I spoke with their reps when I opened up the account for my grandma, and everything was great. I did everything for my grandma. It was a very easy process. They're very helpful, and they explained everything every step of the way. I really like the transparency.

They seem to know what they're talking about, like if I call about something or I need to send them an email, they'll make sure I have the right address. I had 10 credit cards and we're now down to 4, so they've done good. But I want them to take care of some stuff for Discover, and I want to make sure that they're trying to do a settlement with Discover because they're threatening to file a lawsuit against me. So CreditAssociates had me sent it to priority services so that they know it's something they gotta take care of right away.

I'm feeling fine about CreditAssociates although I'll be glad when the next two years is over. I was at the bank trying to get a loan. The payment is 212 a month and 189 was what was costing me to have that loan there. So, I was trying to get the loan down but I found out I couldn’t. I showed the rep my papers and I said that this is the company that I deal with, with my other credit cards that I had. She said that it sounded good to her and that I was not paying interest on them. If I would have known about these people, I would have had my other stuff put on there too. I like CreditAssociates so far. I just don't hear from them. I’d like to know how these things are going sometimes and I don't find out usually until I call them.

CreditAssociates worked with me on a payment plan. I had some credit cards that needed to be taken care of. I'm gonna get my credit cards paid off, and that'll be a lot better. Every time I've called CreditAssociates, they have been so nice.

When CreditAssociates has someone that wants to settle, they let me know. Also, they follow up immediately on any updates that I need on my account. And they make sure they verify all information before giving out any of them. They do a very good job and are very professional. I have access to my account at any time, and I make sure that some of the goals that we have agreed upon are being met in a timely manner. I try to see if this commitment that I've entered in is going to work for me. Anytime that I need them to move a date that the funds need to come out, they were willing to do it.

CreditAssociates is doing all right. It’s been taking so long to get everything started and I was worried about it. I wondered whether it was real or it was a scam. They started out kind of slow, but they're working good with me now. The guy that I talked to explained everything to me really well.

I have one credit that I've had for years and years, and I've been paying on it and paying on it, and I need some help getting out of it. A couple of accounts have been paid off but the major ones that I was hoping would be taken care of, are still there. But they're working on it.

There were three companies that I was looking at and all three said about the same thing. I just chose CreditAssociates and they seem to be doing okay. I got a better rate at CreditAssociates. When I have a question or concern, I just call and their customer service answers my question. So, so far, I'm satisfied with their results. Each time I call, it doesn't take long for them to answer. I also keep checking to make sure things are being done like what they say have been done by the creditors or they've been paid off. Two of my accounts have been settled and I'm paying on a third one. I had about seven altogether. When I started, it was about three and a half years. That was at 333 a month that I normally pay, but I increased this about eight months ago to 425. There was another creditor added to that.

We looked into CreditAssociates and talked to their guy. He was very good and gave us some good breakdown, and having some good things accomplished, we went with it. We made 10 calls and talked to a lot of people who are doing the negotiating and helped us out. They're always very fine and they give us the answers we need, so I'm impressed. The thing that I like the best about my experience is the creditors have not been calling. They called at the beginning. They would all reach us and say, "We got a thing stating that you have a representative now working for you." That put us at ease. We know that we wouldn't get all these calls, and we haven't.

Anytime I've had any issues, anybody I've talked to has been able to answer questions and make sure I understand what's going on. If I needed to change things, they've been understanding like if I say, "Hey, I can't change anything right now, but I maybe can later." CreditAssociates has been helping me out. It's getting my stuff paid down, so it's helping my credit and trying to get me back on the right track. It's all taken care of.

CreditAssociates was good and friendly, and they explained everything through the whole process. It was wonderful.

I've been with CreditAssociates since 2019 and I reckon I paid a great deal of debt. My debt's getting paid off and that's the comfort of knowing that what I've done is the right thing to do. That had not have been done without CreditAssociates' attribution. There are times where I have an offer that is higher than my expectations, and we will try to get that offer locked at the same rate, negotiate the offer, or possibly pay it off. Even though there's a short amount in the account, we are able to lock that rate and that offer until our part is meeting their demand. My understanding is that it's already paid off at the rate they’ll ask me even though the amount in the account is a bit shorter. Then I would have a negative account. But the negative account is still valid and they are paying it off and then give me a chance to accumulate again. I'm kind of pre-amazed that things like that could be going on.

I liked the way their rep Scott talked to me when I called and was asking questions. I've never been one not to pay a bill on time, so it's been very stressful. Scott made me at ease. Also, their customer service department has been very helpful when I've had to call. I've been on medical leave for going on a little over four years. And so, not being able to make my payments because of that situation for a couple of months while I was waiting for my long-term disability to kick in made me miss some payments, and I just panicked. Some of the credit card companies are like, "Okay. Nobody's contacted us." Anytime they've called to tell me that, I call Credit Associates and they say that they will contact the credit card companies. Hopefully, that is true. But they have been very helpful as far as getting me to breathe a little bit and not panic as much as I did.

CreditAssociates is a good company to go with. I could have done the whole thing myself if I did all of the research, knew what to do, and how to get a credit card negotiated. But they helped me set up a savings account. They did what they did well. So, I was happy. I am about wrapped up with the settlement plan.

It was very easy to have everything set up with CreditAssociates. I have talked to them multiple times because I changed my mind on what I wanted to add into that. And they were helpful in taking some things off that I changed my mind on. And they’re always flexible. Sometimes I couldn't make the payment, and they were very flexible with that. The website is easy to go on to access the information myself to look at what is still in my account, what I've already put in, what they've helped to settle, and what’s in process. I have a couple of things that have been taken care of already by them. And if there were other things that came up that they might be able to make a deal on, they reached out to me to see if I would be able to put any more money in at that time to make the settlement with the companies. That's nice that they reached out. It has been easy and the communication is good. I appreciate the help that they've been giving me.

I called CreditAssociates and the guy was really nice. He said he had been through the process. He had been in credit card debt and this is what he did personally himself. I was like, “Okay. If somebody’s been through it, if it happened to them that they got in credit card debt, then they know what it feels like and how hard it is.” I like CreditAssociates. Everybody's been nice. They call me if something comes up, or if I have a question, I can call them. They answer my questions. One thing I like about CreditAssociates is that I don’t have to use a computer. Working with them has helped me out so far, so that makes me not worried and stressed.

Other providers gave me some answers that I didn't like. When I called CreditAssociates, it was different. They told me 40 months. It's already been a whole year and I've still got about two years and a half more to go. They already paid a couple of credit cards for me so it's going well. CreditAssociates is a pretty good company. I like it. In the future, if I have to use them again, I'll give them a call. A few friends of mine got some problem so I told them about this company.

CreditAssociates took care of a lot of my debt. If I had questions or concerns, I called them and gave them my account number, and I explained to them what was going on in my mind. They talked to me about it and I was very satisfied. A very great deal working with them. It really stopped me from going out and using card. Whatever I spend is a very small amount and I have to use cash. I can't use charge. It's been a great benefit to me.

CreditAssociates is doing good. They call me when they get something and ask me if I could put more money in. Working with then helps out a lot with just paying one payment.

I am impressed with CreditAssociates. It's helped my health. I feel pretty good about the company. The representatives have been very informative, understanding nice, courteous, and very clear. They assured me that things look pretty good, and they’re still working at it. It might take approximately three years to clear up. So far, it's been 13, 14 months now and the progress has been fantastic because they review some things with me.

I had four outstanding debts and they've already settled three of them and it's just been a year. Also, the reps have been real nice and supportive. They can't guarantee anything, but I have confidence in them.

I wanted to pay the bills and CreditAssociates had an option that I could put the money and they would take care of it and it was a lower rate on the card. The enrollment process went well and I'm about a year with them.

The rep took it out of my hands. He was nice and he got a lot of stress off me. I appreciate that. He was the boss man. He would handle it and would all be done legally. Nowadays, that's impressive. I had no way to save any money to wait for an eviction, but now I do. That means a lot when you have a family of four. Go with CreditAssociates. They're very professional and awesome.

Working with CreditAssociates, I've been able to handle the payments on a monthly basis with the amount that we settled on and I’ve settled a couple of the accounts already. It's been a great opportunity for me to try to get ahead a little bit.

I’m about paid up with my plan and everything's been working okay so far. But I got this nasty letter from an attorney and I sent CreditAssociates a copy of that. Then I got another letter a couple weeks later about a negotiation deal where they’re wanting to negotiate directly with me and I just filed that one. It's a straight up program and it's been working pretty slick. It’ll help you get out of a hole that you've dug yourself into.

One credit card sent me a letter. I owe 9,000 and they can give me for almost 5,000. They want that I go ahead and get that set up with them. That was a good deal because it's almost $4,000 down. But I wish CreditAssociates went a little bit faster. I only have seven credit cards and about three or four have just been satisfied. I tried to cancel one time because it's too slow. It's already almost a year and I still haven't received a call. One card was only 1,600 but they've called me three times a day and they even called my wife. That was too much. I want CreditAssociates to work with this creditor because it's bothering me too much. I have a credit card for $6,000 and they don't even call yet.

I liked CreditAssociates very much. I've worked with several reps and they were very nice. The only thing I wish they did was maybe every quarter, they'd send out a report how it's coming along. I always have to call and ask, “How is it?” I was paying $500 a month or maybe even more. Then I got a large amount from unemployment, retractive, and so I called back to CreditAssociates and asked if I could send about $3,000 extra. They could take it out of my account if they could lower my monthly to $400. They agreed, so that sold me then because I could afford that a month.

I'm too far into credit card debt, which I cannot afford to pay, and CreditAssociates is helping. The reps are nice and they explain in detail and answer the questions I have.

They have done an excellent job in handling everything for me. They're always calling and communicating with me about what is going on with their service and asking if I have any questions. I have been very satisfied with them.

CreditAssociates took care of my two credit cards and I still need to get about two more of that. I always try to have that $297 in my account because they allow how much I can afford monthly.

When I came across CreditAssociates, I spoke to a gentleman to help set up the account and asked a ton of questions to understand what the process would be, and what a timeline would look like. It just felt like the right fit. I was able to get folks on the phone very easily. I appreciate that it saved me a boatload of time. I may have had one or two incidents where I just wasn't taking in all the information that I needed. But they were very quick to pull someone on the line who did know. She helped me several times on the phone, followed up with me on every settlement that's been made, talked me through the pros and cons and what's to be expected, and pointed me in the right direction at every stage. All of my accounts have been settled and I'm just now a couple of months from paying off the remaining balance on everything.

Signing up was easy. But, they could email me my monthly statement showing everything. We're still working towards seeing debts get settled.

CreditAssociates had the best payment options. My debts get settled. They're doing their job and they get me back on track. Credit Karma sent me an update and said that my collections went down. It is improving slowly but surely. CreditAssociates can come up with a good payment plan and they take away a big chunk of the debt. That's always a good thing.

It's taking longer than I thought it would but everything has been going well. Anytime I call, their reps always answer.

The program quickly got me out of a situation where I was paying a high rate. CreditAssociates did a good job so it helped. They did all the paperwork to help me get myself settled. I’m very happy about that.

It's really professional and smooth with the rep I worked with. It's really easy with CreditAssociates and it saves me a bunch of money. What it's costing me is what I owed.

They've settled a few of my debts. I don't have all the bill collectors calling me and hounding me for money. Credit Associates said, "Just ignore them. Don't answer it." However, unless I call Credit Associates, I never hear anything on what's going on. When I call, it seems like they go over what's going on. It's been a while and I don't even know what they're doing or what they're paying. If they don't do something quick, I'm gonna call them in a couple of months to try to find out.

I asked my banker about CreditAssociates. They did a little research, then she agreed. We also did a little research, as far as reviews and what people thought, then decided to go with them. It was easy to get set up. As far as following the program, there isn't much out there. There's a website to see what they're paying and how they're paying, who they're paying, but we've been unable to get on to it. We asked for help several times and they said we gotta go to this website and click that icon right there. It's not that easy, so we've had a little difficulty as far as following the progress.

The customer service explained the more important parts of the program. I have received calls and emails about updates, so it's good. I’m satisfied.

The information that was given to me when I called CreditAssociates was very useful. There was no pressure. They just told me what they thought they could do. Then I told them that I would talk to my wife about this, and we would come up with a list of who and what we thought we needed to put into the program. Then we talked to the rep on a second call and gave him a list of what we wanted to do and went from there.

The rep explained to me everything I wanted to hear and CreditAssociates is helping me pay my debts. For me, the service is great.

They're helping me get out of debt and become stress-free. I really appreciate that. Give them a try. You'll be happy.

CreditAssociates had done everything that they could do in taking care of our debt. So far, it's been a huge relief working with them. They've settled three out of five of our accounts, and there's a possibility the other two will be negotiated soon. Once they're negotiated, I can schedule to make payments through October of next year, but that's if I just do the minimum, if I can pay more, and then just be debt-free.

As I made my minimum credit card payments, it seemed like the interest never did go down. It was way too high. I called CreditAssociates to see what they could work out. It seemed like they had a good plan and are not charging a really high amount. I pay $377 a month. They've settled with 7 of the 10 accounts. There's just one credit card and OneMain that they got to settle with. So, so far, everything's okay. They say they'll be able to settle with the credit one and OneMain as more money comes in.

I talked with CreditAssociates and I liked their way and what they said. But they didn’t follow through on what I asked. I told them to keep in touch but about a whole year went by and I didn't have a clue what was happening. Bank of America sent me a letter and made an offer. It was $1,400 payment cut down to 500 something. That was a fair offer but CreditAssociates missed the first payment and botched that whole contract. I called CreditAssociates rep and asked what they were doing and he said that he thought that I was gonna pay it. I had everything in writing and they still insisted that because I passed the deal that was sent to me to them to deal with, they felt I was going to pay for it. I told the rep that they didn't tell me anything. They gave me a list of things that I should've written down, that these will be paid up by February of 2022, four accounts.

CreditAssociates could have been a little more upfront with stuff. There were certain things they didn't tell me when I signed up that I found out after. Other than that, they kept me informed on what's going on and I like that. They regularly get in contact and let me know every time something changes. This is a good place to try.

So far, I'm satisfied with the program. I'm out of a hole right now and CreditAssociates is helping me out with my debts. The representatives have been nice and I've got no complaints.

Everyone from CreditAssociates has been wonderful. Any time I've had a question or emailed or called, they've been very helpful. I had been putting the 500 a month since last year. I had to have them split the payment between my two paydays. I pay the 300 on one paycheck, and then the 200 on the second one. There were two times that I was only able to pay 300 for the month and they said that it was fine. They were able to get the cards down. They're on the fourth one right now. I'm about to be done with it in October. I should be then debt-free, so I'm very excited about it. I’ve stopped using even my other card that I have that I've been paying off myself little by little. I learned my lesson. I'm so much more disciplined. Now, if I have the money, I'll use my debit or cash and from now on, I'll be saving my money.

I have had issues sometimes with getting ahold. We refinanced our house and I had something pop up at the last minute that needed something to be taken care of right away. I had to wait for them to go through their whole protocol. But they've done a great job and they're good at what they do. I almost have everything paid off in a little more than a year.

CreditAssociates was honest and I like that. The customer service is very good whenever I call them to check on the state of my credit and where we are into debt. I found good answers when I asked them. They were helping. I'm seeing a lot of progress. I've seen my credit score going up. They are working hard with the creditors. That's the main reason I reach out to them, so I'm happy.

Working with CreditAssociates lowered my stress as far as being able to have a plan to get out of credit card debt. It was a good and informative experience with the rep. He was very competent.

CreditAssociates seemed like they were sincere, after I spoke to one young lady on the phone. So far, it has been going okay but I'm on hold. I'm not paying all that I have to because of the COVID, and I'm hardly working right now. Instead of 600, it's $200 or $300 I'm paying every month. But CreditAssociates has paid off a couple of my debts. Also, they’re very polite. When I need to reschedule the payment, they help me right away. And they ask me, “Are you sure you don’t want to miss it this month and go next month?” I said, “No.” So we’re doing okay.

I had 28 credit accounts and credit cards. I was paying safely the minimum every month and there was no end in sight. When I called CreditAssociates to get help, they said "You have to stop using credit cards before we can help you." Credit Associates has been very helpful and they've kept me upbeat. Getting calls from creditors gave me a lot of anxiety and I wanted it to go away. I'm very happy with the progress ‘cause the program is moving along quicker than I originally thought.

The rep explained everything to me and gave me an idea of what my monthly expense would look like per month to clear everything. I was risking giving up my cards but in the future, I could always rebuild my credit and reapply. At the time, I needed CreditAssociates. I noticed the changes right away since I started working with them. They started reaching out to the credit card people and working with them to minimize the amount overall in addition to just paying for the bills. On top of that, the communication was excellent because every time something was in the works, I was informed through either email or voicemail. I was always in the loop of what was going on and what was taking place. At times, I even had to approve things, which felt good. Everything has been paid already. I can't complain about anything.

I love CreditAssociates. We were trying to get out of debt and couldn't find a way, so we started using them. They combined a bunch of our bills and we'd pay so much a month for them to get them paid off. They call and check on us and let us know stuff and it has been really good.

The rep whom I talked to was knowledgeable and time friendly. It made me comfortable talking to him. I'm happy with the progress that has been made.

CreditAssociates pretty much takes care of everything. I make a monthly payment to them, and then they negotiate and settle with debtors. And then, they will pay the debtors the negotiated settlement. They have negotiated and settled quite a few of the debts, and it's working very well for me. The phone calls have stopped and I am getting out of debt.

Everything's good. We got two of my accounts paid and closed, negotiated with them. I still got two left. I've been pretty satisfied. It would be about a year and a half and I'll be done. I would get my credit back better.

I got myself in a lot of debt with credit cards so I figured that I’d take a chance to see how things would work out with CreditAssociates. I've been with them for close to a year now and so far, my experience has been excellent. They are gonna pay one of my creditors and what I take out a month, I may have to raise about for three or four months. So they call and let me know if they're running into a problem. If I can afford it, I’ll let them know. I passed the word to a couple of people that CreditAssociates has been dealing with me and I've been very pleased with them.

CreditAssociates had the lowest interest rate. They offered me consecutive direct deposit and they promised me that they will get the debt below half of what it is that I owed. It would make the payments and everything go faster, and my credit wouldn't be affected because they would come to terms with the debtors, so that I wouldn't have to worry about certain things. So, that sounded good to me. It might not be exactly what I owed but if you took off the interest rates and the late fees, it probably is exactly what was owed. And it was good that I would be able to pay the debtors back. So, I was happy with that.

The first lady I talked to that helped me set it all off. She called back within the next few days to make sure I did whatever I needed to do online to get it started. She walked me through finishing up, getting things rolling. They have also gone through online, and there are payments for the next two years, then they will be done. I set out last spring to get debt-free. So that's what I'm working on. CreditAssociates helped me do what I wouldn't have been able to keep track of myself. My life gets busy and I lose track of stuff, but I would get an email from them or a call and say, “Hey, we're doing this. This is all you need to do.” They make it sound simple and easy. And I do it, and we're moving along quickly. Somebody is working for me while I'm doing my other stuff. It has been a big help. They actually do the work for whatever little percentage they get. They're on it all the time. It's surprising.

I was constantly paying my loans but it got overwhelming with the economy with the recession. So, working with CreditAssociates has made me feel a little bit at peace that they're working with them and they know I'm not walking away from a fight. I've been treated fairly. Every time I talk to CreditAssociates and they let me know that something has happened, I feel more freedom. Their reps were happy and pleased to give me the news when people would accept to do the settlement.

It has been going good with CreditAssociates, so far. I hope they will keep it on and the remaining two debts will be solved soon.

All of CreditAssociates' reps were good and knowledgeable.

I have to give CreditAssociates a set amount every month and the reps are taking care of all the payments without me having to worry about anything. They are pulling out money consistently every month and they gave me the information of how to be updated on any progress but I don't keep in contact. I work as a truck driver, so I'm always on the road moving and I rarely have the time to call them to find out how things are going or even look on top of the app to find out how things are going. I would trust them more if they kept a more direct contact with me on a daily basis, or even a weekly or monthly basis.

CreditAssociates has been very good and quick to answer questions for me. There have been several payoffs on certain accounts, which I'm really happy about. Whenever I see the emails come in that a new offer has been made, I go in there. It's great how quickly some of these cards are getting paid off. That has been really helping the stress with the finances. Also, They're retraining my spending habits and work at a better habit of managing finances.

I don't understand the program as well as I should. I printed all this stuff off of my computer and they left it up to me to read it. But I've had a lot of confidence in them. They've been really nice. They've paid off Bank of America and another one of my debts. But it seems every time I call, whoever I get doesn't tell me very much. Also, every time that call, I get ahold of a different person. Add a bit more communication so that I understand a little bit more what the progress is.

Everything has been fine with CreditAssociates. It was a little concern on my end when I received a letter from a law firm stating, “This is outstanding. We'll end up taking you to court.” So, I called CreditAssociates and asked them, “What's the reason why I needed you guys to handle my outstanding credit card debt if I’m just gonna end up being taken to collections sued anyways?” They informed me that that was just a tactic that the people use in order to scare you. But they were in the process of taking care of that particular debt. They have also handled some of the credit cards. I see my credit score is improving. I'm appreciative of the services they provide.

Working with CreditAssociates wrecked my credit and I’m still dealing with the backlash. They helped me. It’s just my credit score is still below 600 and it has been a year. They said it would take six months but it has been twice as long as they said, and it's just a hassle. I signed the contract. I made that decision. That's lesson learned. But if I could go back in time, I would not have done it. And I would have just paid my credit cards off.

I've been with CreditAssociates for a year and the progress is great. Also, they call me once in a while, which really helps me, and they've been treating me nice.

They're a little slow as far as getting hold of all my creditors. Because there are still two creditors they haven't gotten ahold of yet. Other than that, it's been pretty good. Once I get ahold of the company, they're doing a good job as far as negotiating. I'm satisfied with my experience with them.

CreditAssociates seemed pretty genuine and helpful when I first called them so I went with them. When the program started, they said that it'd take 41 months. But I might be a lot closer than that because of the extra funds I put in there eight months ago. I go online and I look at what's going on. Then I know what they take out every month out of my account because it goes through Global. It has been a pretty easy process and as long as I make my payment every month until it's rectified, everything seems to be going pretty good. CreditAssociates has worked hard with resolving issues with the creditors. I also haven't received any calls from the creditors for nine months now.

I’ve been in the program with CreditAssociates for about six months to a year. So, I'm trying to slowly pay off some stuff. Their reps gave me a script they read, and that was pretty much it. I never heard from anybody. Now, I can log on and the website is generic. So when I first got into it, I was skeptical because it almost looked like it was a scam. I also don't get any charge-off letters from people that they told me they've paid. I wish CreditAssociates can send a monthly statement to help keep track of my financial goals and how it is affecting my credit rating. I'm still getting letters from some of the people saying they haven't received anything but CreditAssociates has advised me not to talk to them.

The customer service was wonderful. Every time I call, they’re happy to help me. I’m glad I signed up with CreditAssociates. I make my monthly payments every month and then, they let me know when I get a good deal. They already got me a great deal on the first one. So, I like them a lot. I already have one card paid off and the next card is in the process. Then, I have one more after that that hasn't started yet. So, I'm getting there. One thing that sucks is my credit score went from being in the 700s down to the low 5 and I'm super-duper bummed out about that because there's nothing I can do. I have to rely on the money I make from working and I don't have any backup. If you have a credit card, you think you always have money and so, that was what messed me up. That was the first time I had credit cards ever. So, it happened quickly that I racked them up to something crazy.

The rep was professional. She answered all my questions. She was also able to guide me and give me the right information that I needed, and that's what led me to get involved with CreditAssociates. Working with them impacts my life in a positive way. The way they handle my payment plan is better for me.

Their reps are really nice. I am also very comfortable with the payment plan arranged for me. Everything is good.

The people at CreditAssociates have been pretty nice. Nobody's been rude. The experience is okay. They could let me know how it's going though. I don't get any updates. I can use a little bit more update on how far they're getting.

CreditAssociates has been awesome and I’ve been referring other people to them. Their reps have been working with my card people and letting me know what they're settling for.

I signed up for a three-year program with CreditAssociates and I'm happy with their services.. They get a certain agreed amount from my bank account every month that I use to help pay down those debts that I have. They are negotiating my credit cards at a lower amount and making payments so that I can afford it, because I’m unemployed. Any time they do a negotiation, I’ll get a text and an email. I’m also able to go online and see if I want to accept that offer or reject it. I just let them know. They have a high interest rate once a debt is negotiated but it’s still a lot less than if I had to pay the credit card directly.

At first, my experience with CreditAssociates was okay. The consultant I had worked with seemed very pleasant. I haven't heard from them in a long time though. I also got sued once. I didn't even know I got sued. All of a sudden, I started getting letters in the mail from attorneys saying that I got sued. CreditAssociates could call me more and let me know what's going on.

I always wanted to do consolidation when I first heard of it. When I got my new job, it gave me a little bit more elbow room to be able to afford it as I always wanted to get my credit back up to par. But I just never had those finances to be able to do so. CreditAssociates was the most organized when it came to dealing with paying off creditors and all of that good stuff. I can get my credit built back up that way, so I can be able to get a home. That was the primary thing. Every time I called there or talked to someone, it was a different person. But every last one of them was great, very helpful, nice, and was making sure that they helped me the whole entire way. Any questions I had, they answered efficiently. A couple of times, I had a few struggles with the payment, but I came over that. It wasn't on them. It was mostly on my financial side.

I had talked to a couple different companies that do the type of work that CreditAssociates does. The rep that I talked to on the phone was able to work out a better plan as far as like how much per month, so that was why I went with CreditAssociates. So far, it's working out great for me. Everybody I talked to at the firm has been very helpful. I would advise others to use them.

CreditAssociates helped me out a lot. When I signed up, I gave all my information and their reps took care of me. I was told that the program would take about three to four years and so far, my debts are still settling.

We got out of hand with our credit cards. It seemed like the more I paid, the more it went up. It never went down. We reached out to CreditAssociates. Their customer service listened to what I had to say and told me what I needed to do. I did it. Settling the debts took a while because I was not behind on anything. They wanted me to get behind on anything before we did anything. We did settle one already, and one's being processed. One thing I'm not real happy about was I was not aware of how much they charge to do this. They settled for 3,000 and charged me 1,500. I'm paying so much, but I don't see where my payments are going. They can be more transparent on how much they're gonna charge to do this. That was something I was surprised about. I haven't decided to do something different, but I wasn't happy with how much they're charging and what they're not paying. They're getting the job done, but it's really costing me a lot of money.

CreditAssociates is the way to go if you had a financial hardship and you need some answers to get out of debt. They took on my case in a professional way. They showed me what I need to do and how to handle these cases. They were doing a good job.

The enrolment process with CreditAssociates has been alright and their rep has been good. So far, they helped me. They’ve been paying down. I get things I had to claim. On my income tax, I had to claim one that was finished off there.

Everybody is really nice. They answer me real fast. Every time I call to ask questions, they answer them. I talked to this girl and she was really, really sweet. She’s working from home. I told her what I needed and she helped me with it. She recommended some stuff, so that's what I'm doing now. I really like the program.

The initial guy from CreditAssociates that I spoke with seemed really nice, but it felt like it was a trap. I mistook them for a different kind of service that I was looking for. And now, I'm pretty much stuck with them. I've been with them all this time and they still haven't made a settlement with Discover or with Capital One. So I'm not very pleased.

I got a couple of my bills all paid off. But they're taking out so much money each month. I'm making sure I have the money in the bank for it.

CreditAssociates should improve on their communication. Especially with the client, like their client with us and their outreach with us. It's hard to get access sometimes to customer service. I hope there's an easier way to access them quicker. But then they have helped me turn around my credit so far. I've probably knocked down every credit card except the one so I'm satisfied.