CreditAssociates Reviews

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.

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.

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.

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

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.

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 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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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.

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.

All of CreditAssociates' reps were good and knowledgeable.

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.

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.

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.

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.

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 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.

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.

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

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.

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 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.

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 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.

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.

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.

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.

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.

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.

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.

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.

They keep calling for more money, but I can't do any more than what I'm doing. But working with them has made my life a little better. I still get lots of calls and people are messing with me, but that's all right.

They were very straightforward and honest. Everything's easier with them because now, we’re lined up with everything being in one payment.

They have been wonderful. They've really helped me out a lot. Anytime I've called, they were very helpful. They've already got two that they have paid off for me. I'd recommend them to anybody.

I have money going in to the account every month for CreditAssociates to negotiate my payments, and I've only heard from them on one payment that they negotiated. That was the Wells Fargo payment. I haven't heard from them since. I'd like for them to stay in contact with me more about who they are negotiating with. Also, my payment was $290. It's a little much, but it was okay.

I went with CreditAssociates because they have a good record on successful settlement offers. But they are focused on their successful fee and not on the client. When their fee is paid off, then they focus on the client purpose, which from my viewpoint is not a good way. I've called them and they don't change their process. Other than that, the reps are doing a great job.

We've been paying CreditAssociates hundreds of dollars for two years now and nothing has happened. My credit rating is still bad and nothing has been paid off. I probably would have declared bankruptcy because my credit score would be higher now than it is. We contacted them a few months back and got the same stuff. So right now, I'm not happy.

CreditAssociates have made arrangements in three different accounts. Their reps called me and they were very helpful in letting me know what was going on with the account. I also have a telephone number where they can be called and then I give them my account number and they give me some information that I need. But we've gotten very slow. They explained to me that I was paying too little a month. This is why they cannot have enough money for the other accounts. I don't expect a lot faster payment in my account but I wish the results can be faster.

CreditAssociates seemed like a good company to go with. They've been great through the whole thing. The rep I worked with was very intelligent. I was impressed with the way she told how I can solve my debt and figured it all out for me. Working with CreditAssociates has taken most stress off my shoulders. It's made my life a lot better. I’ve been able to keep up with everything that's going on. If I received something in the mail, I would just forward it to them. When I call them and check on them, they’d say they got it and they’re working on it. They’d been amazing. It's been a great experience working with them.

I contacted them about a month ago to know how things were going and everything seemed to be all right. So far, I like the program. I thought they were gonna get a bunch of the people to quit calling me. But I'm still getting them debt collectors calls. Also, it'd be nice if they'd send me a letter every now and then to let me know what's going on and what's being paid on. I hardly ever hear from them. Other than that, it's been all right. It helps getting the worry off for me.

I'm very satisfied with their services. They are very transparent in the information that they provided me. They're also following up with the process. I've been very impressed with what they've done for me.

The month-to-month payment with CreditAssociates is cheaper so we've been able to handle that okay. Because of all the other credit cards, paying 100 bucks a month gave us a little bit of room. I talked to a rep yesterday 'cause I sent in a letter that Capital One was gonna take us to court. Other than that, a couple of them are almost already paid off so we only have a couple left.

I'm so satisfied with my experience with CreditAssociates.

They’ve all been pretty helpful. It's progressing well and everything's pretty good.

We're knocking our debts off little by little and CreditAssociates has been very transparent with possible offers, and then also being careful that the monthly fee doesn't get too bad with the offers because that's why we're here in the first place. Any documentation that we receive, we upload to the website and then they follow up. They get a potential offer from the credit card company in which they come back to us and we usually accept it and then it gets paid off slowly.

I like that we've been able to get everything done at a timely manner. It's been coming along and I don't have the credit card companies harassing me anymore, so it's good. I feel pretty confident with CreditAssociates. They're doing something to help me out in the long run, so I’m good.

I'm happy with what CreditAssociates has done for me since last year when I first called them. The payment I had to make to them was way less than what I was paying out, to begin with. If I had to do it all over again, I would definitely call them.

I like working with CreditAssociates. My bill is going down. But I still have two more years to go.

Everything's going well so far. They closed out a couple of accounts and they're working on the others. The reps are also very friendly.

Their reps were very professional. They worked with me on my payment plan and made sure that it was comfortable. I actually got to give them more than I thought I could. Other companies I've dealt with kept me in the dark and I couldn't stand that. Credit Associates kept me abreast of everything that's going on. They let me know as soon as a creditor accepts the offer and then when I accept it, my debt is taken care of. My credit score has gone up a little bit because of Credit Associates and I'm very happy with them. Go with this company.

I'm dealing with a lot of people on different things and CreditAssociates' level of communication is awesome. You don't have to ask questions. They just say, "Okay, we're changing this," "We've made negotiation with this," "This is what has to happen," This is how it's going to be." I'm really satisfied. If you're looking for peace of mind in getting all your issues settled, CreditAssociates is the place to go. Even where I keep my money in my bank, I didn't get this kind of service.

CreditAssociates' program is a tough one because I have to make a lot of sacrifices. I have to put in money aside each month. I wanted to buy a house, but I could not even buy a house because they said I have a poor credit. The debt consultants are good and very knowledgeable. The only thing is the credit companies still continue to call me and send me letters every day complaining that I am not paying them. Also, my credit score is down. What I understood was that it will not affect my credit, but maybe I did not get them right. Other than that, my experience is so good.

The CreditAssociates reps were very nice and they explained to me how the situation would go. The process has been very good and a lot of my bad credit has been falling off quickly. I would tell someone that that working with CreditAssociates would be a good idea.

I liked the terms that were set and how long it would take me to get out the debt. However, I've had a few challenges with CreditAssociates. I felt pressured in that when a settlement is reached, I get a phone call telling me that they've settled it, however, can I pay more money? The last one was Stein Mart. They said that I owed $1,500 and Stein Mart settled for $700 but I didn't have enough in my savings account. I told them I don't have any more money to give them so I'll come out of the program. They said not to worry. It'll come around again and they'll negotiate it again.

I liked what CreditAssociates had to say. Customer service is great. They were very helpful, explained the process, and answered whatever questions I had. They're a good company.

I called CreditAssociates and they gave me estimate but I didn't got for it. I wasn't sure that was something I wanted to do because my main thing was my credit and I didn't want to ruin it. After six months, I was struggling more so I decided to give them a callback and spoke with someone in Spanish which is my main language. They told me over and over the same thing and they convinced me.

Every time somebody calls, it's somebody different. I've never talked to the same person. They don't stay in touch. I just check my bank account and see my money is gone. I have no idea what's bought or where it's going, or who's being paid. It's hard to follow. There could be better customer relations than just getting one signed up.

So far, I assume everything's fine. I don't hear from CreditAssociates very often. And I'd like to have a monthly print out. Also, I had a Discover card and I got letters that they were going to sue me and turn me over to collections. I faxed the letter to CreditAssociates. I talked to someone. And they said fax a letter and I did. I haven't heard anything from anybody since then so I don't know where that is at. Other than that, everything I know is doing great. A couple of accounts have been paid off, because I get a letter from the creditor telling me that this account has been closed. Also, my telephone doesn't ring off the wall every day.

My mother lived in California. She's a widow. When my dad died, she lost his part of the Social Security. She was getting credit card offers in the mail and to make ends meet, she was running the credit cards up. She was not using them recklessly. She wasn't buying outlandish things, but she was just living day to day. I went out there and picked her up and moved her to Florida because we kind of determined she couldn't live by herself anymore. We found out that she had all this credit card debt. My brother saw a credit relief ad on TV. I called CreditAssociates and we signed up. Signing up was great.

I've spoken to their rep about half a dozen times and they say I'm on schedule. Sometimes, I think I should up it a little bit and then something always happens and I'm glad that I didn't.

CreditAssociates offered a good program and they have been doing a good job for me. I'm satisfied with what they're pulling off and I’ve already told a couple of my friends about them. They settled some of the big ones for half and a couple of them for a third. I got a couple more and I was hoping to put more of that into the program so they could pay a couple more of the big ones off. The good thing is, now on the credit bureaus, it only is showing the three that I have and the rest of them don’t show up on reports in the negative anymore so I’m so happy.

I worked with a couple of people from CreditAssociates. The experience wasn't anything crazy. I feel like there was some left out information at first because I feel like we were kind of given a little bit of misdirection saying that our debt would be taken care of within six months, and it's been over a year. Our credit is completely horrible. We're trying, fully, to get it taken care of. And when we look at our credit reports, it's not reflecting what we were told. We’re almost halfway to paying off our debt. So, there's really nothing we can do.

Working with CreditAssociates is making my life better. Their reps were on top of it right off the bat.

I had a good experience with the rep but Credit Associates could reach out a bit more and let me know what's going on. Other than that, it's been great. They've reached deals with half of my lenders and it looks like we're gonna be alright. Working with them has helped me out a lot. I have one payment a month with them instead of all those big payments.

Robert of CreditAssociates explained it out. It was easy. At first, I thought it would be a scam kind of deal because I kept getting all the letters and phone calls. But then, I was happy with the progress. I stopped getting the mail and stuff like that.

My mom got Alzheimer's, so she was forgetting to pay all of her bills. I tried to see about getting an escrow or equity loan for her, but because her credit score was so low, they wouldn't approve on. So CreditAssociates was the only other route we had. They did it over a three-year plan but because my mom was not making the payments for the credit card, I was able to increase it monthly to get it paid off faster. We probably have another two years left in the program. We had credit card companies calling and calling and calling for a while there and they finally stopped.

Enrolling with Credit Associates was easy. But I haven't heard from them lately. It would be good if they could call me and let me know ahead of time if they can get one of my debts paid off by increasing my payments to X amount of dollars for the next how many months. At least I could talk with my husband if we can fit it in my budget so we can get that debt paid off.

I was having difficulties with paying off my credit cards and it got a little tough because there was a lot of them. With the pandemic and everything, I couldn’t work as I used to. I needed assistance with trying to get it off, but I couldn't afford to do all of them at once with the interest rate. CreditAssociates said they would help with it. I started the program with them and it's been good so far. The customer service has been working very well. They all resolved the issues. It’s been a great experience, being with them. I hope it continues that way, and I hope I'm able to get off my credit debts with the help that they're providing. If I'm relieved somewhere, I’ll be very excited.

The customer service with CreditAssociates was really good. I'm really comfortable. They're explaining what to do.

Anytime we had a question, we called CreditAssociates and they gave us the answer. My mother got a payment plan. It’s directly taken from her account once a month. CreditAssociates holds the money until they can make a deal with the company, and get enough money in the account, and pay it off. One of mom’s bills has been paid off and they said they were working on the second one. She only had three. She should be done by the end of this year.

The first guy that I spoke to was nice. He explained everything. It was flexible and wasn't a steep price. It wasn't like, “Hey, you have to pay this." Talking to a person this time and a different person next time is a little annoying. But they get themselves up to speed quickly as far as what is going on with my account. Also, the portal is clear.

I was pretty comfortable working with them. They laid out a few options in what I could do, what they can offer, and what was going to be good for me. But I didn't feel pressured to go along with what they were throwing out. They kind of left it up to me to make the choice to say what I can afford to do and I could leave it at that. Working with them has been wonderful because I don't have to worry about anything. They literally take care of all of it for me. They did let me know in the beginning that it’s a process and that it's not immediate, but it will pay off in the end.

They're very easy to work with and very understanding. During COVID, we had one month when we were running tight on our funds. We called them and they reduced that month's payment for us to make it work. Then the next month, they went right back to the normal payment. Working with them has also raised my credit score and helped me pay off some of my big debts. I'm very pleased.

I was on a hardship. Everything was down and I couldn't pay my bills. I called CreditAssociates and I explained to them. Their representative are doing good. They help me a lot. They assure me when any creditor calls me, and if I don't wanna take it, I won't have to take it.

I've liked everything about my Credit Associate's experience except for the fact that I've asked for a paper for the debts I've paid off but I can't seem to get one. So, I look at my bank statement and see that they've taken my payment out. Every time I call, I get a different person but I've been happy with their reps. You should go for Credit Associates.

CreditAssociates is helping people out. The first guy I talked to helped me out a lot. I was in a bind with all these credit cards. With CreditAssociates, I got three or four settled already out of the seven or eight credit cards.

I talked to a counselor and she convinced me to start the program. I've talked to her twice and she remembers me. The other times I've talked to other people, they were just as nice. When one creditor sent me a notice saying that they had sold my account to someone else, I called CreditAssociates and they said, “Okay, well, we'll take care of it. We'll contact them. And then we'll go from there.” And I haven't heard from that company again. About four companies have been paid off and that's a great relief to me.

I called CreditAssociates up because I had three loans to pay off, and the other companies wouldn't take me. I liked what CreditAssociates said on TV. Everything was good. I liked how they talked to me on the phone.

I'm a little disappointed with CreditAssociates. I thought that they could make arrangements to start making payments on my bills, especially since they know they're getting my money automatically. But what they did was they took on my largest bill which took all of the monthly payment money. So then I'm not able to accept the people who have offered arrangements for a lower payment unless I add more money. We're during the pandemic right now, so I'm not working. Now I feel bad because I'm not able to accept any of the offers.

I've been in this program for about 13 months. The one that I worked with this week was absolutely wonderful. Now I have a creditor that's taken me to court. According to the girl I talked with, someone would be calling me, but I haven't heard anything from anyone, and that's coming up on April the 20th.

Credit Associates gave me a better rate a month than I could afford. They were very nice when I had questions in the beginning. My experience with them has been quiet. They just take my payment out every month on the 28th. Since using them, there has been less stress and less money a month that I have to dish out. Things are more manageable and comfortable for me. Do this to get your credit back up and alleviate stress. They consolidate everything and work very nicely with their clients. It's just that one bill that you pay every month.

Stephanie was really good. She explained me everything, so I trusted her, and that was why I decided to use CreditAssociates. For my experience, the process was easier.

They're good. My credit cards are getting paid off.

Everything is going all right. But I need to be informed more on what's happening. Because it keeps you in the dark. I had to call CreditAssociates to get an update. And they said it was down to the last on it. I'm at the age where I can't go on the computer and pull the stuff up. So, it's hard on me. Some people that can work on computers can go online and get the information. But I don't know how to do it.

The individuals that I've worked with have been pretty good overall. It was just some are more informed than others. For instance, I was told that I was able to put one month off or hold up to get one month off, and I could pick it back up. But when I did that, I was unaware that it was gonna make one of them default and I had to start over with that one. That was a bad situation. But that was one representative, so I didn't hold it against the whole company. They should make sure everyone is fully informed.

I had certain emergencies that I had to incur debt, and I found myself unable to get out of it with some professional advice. I did some research. I looked at some other organizations, and how CreditAssociates presented the organization helped. Once I talked to the person on the phone, I realized that he had a great way of communicating the benefits of the organization. We talked through some details, and it sounded like the plan was fine for me, and I decided to move ahead. The gentleman who I talked to was very knowledgeable and trustworthy. They explained the process to me pretty clearly so I decided to move ahead. Working with the company is great. They brought me some security that I needed. They're always available when I call. The website is excellent. I get a daily tracking of what I'm doing. Customer service is great as well.

I figured that CreditAssociates could help me and I chose to go with them. But they're taking my money and I don't know where it's going. I also don't seem to be paying my credit cards off as I'm still getting bills for them. CreditAssociates should improve on paying my credit cards off and they should put my money back in the bank where it belongs.

CreditAssociates' reps are very good persons. They help me too much. At first, the timeframe took a little long because they need too much information but they continued quickly, and information and calls were very clear. I received my last offer, I accepted it, and we're working to finish.

CreditAssociates gave me a time span of three years that everything will be taken care of. I've been trying to make sure they have the money every month. I haven't paid attention to all the credit reports coming back, but it seems everything is going pretty good. They call and let me know about with people that can get out of the way for X amount of dollars, let me know if I want it a little bit lower, I'll have to wait a little longer. So far, they've been doing a good job. I would definitely love somebody to know what kind of experience I have with CreditAssociates and how it got me back on track.

There were a lot of heartaches and headaches that I was feeling at first. Working with them relieved a lot of stress. I didn't have to deal with the phone calls from creditors. I allowed them to handle that and negotiate on that end. Right now, everything is wonderful. I'm seeing a little progress made.

CreditAssociates has been upfront. They work with whoever it is that I owe and they get a set amount. Some of them, I paid in two or three payments, and then, some of them are extended payments. Some of them are easier than others. Some of them don't want to work with you, and some of them will work with you. Say I have a bill that's $1,000. When I get behind ‘cause I stopped paying them, then I've got the late fees and interest, and that’s $200 $300 on a payment. So, with that, they settle. And maybe the bill’s $1,000 and I settle for $700 or something like that, which they're getting a lot back, but then I'm saving a lot too. They're not losing that much.

Right off the bat, they told me exactly how much the payment was going to be. They gave me a contract and I can go online and see what's being paid and what's not being paid. The program has been good because I have one monthly payment instead of a whole bunch of payments. Also, the creditors are not calling anymore and some of them have been paid off.

I was referred to CreditAssociates by a friend. When I first started, it sounded good. I thought the money that they were taking out of my checking account was going all to the creditors. I did not know they get a certain percentage of the money each month. That's why the process is so long and drawn out. It took them over a year to settle one account and I didn't like that. Also, they only work with one creditor at a time that's why the process is five years long. That's too long for somebody that's trying to establish credit. I don't like their customer service too. Some of the representatives are so forceful and can be rude sometimes. Each month or every two months, they would call me and ask me do I have more money to add to the account for them to pay the creditors. If I agreed to pay a certain amount of money each month from the beginning, that's what I'm thinking that I need. I never did think that they would call and ask me for more money every month.

My program with Credit Associates hasn't been as fast as I thought it would be. Also the method of payment that they use is not what I thought they would. I thought that if I was paying $100, they would be taking what they need to take and paying a constant rate to my creditors. But when I look at some of the payments, they pay very little at the beginning. If I give them $100, 80 goes to my bills with Credit Associates and 20 would go to whomever I owe. After I've done that for a while, Credit Associates starts increasing their payments to my creditors. So sooner or later, I get to pay my debt off. If someone asked me about this company, I would give them my recommendation. If it helps me out, hopefully the same thing will happen to them.

We tried to get help to pay our credit cards from Credit Associates. The reps talked to me about it and explained things. They send me a thing in the mail telling me how much we have paid, when it was paid, and what was taken out to pay my other credit cards.

I get text messages from them when they negotiate but a call would be better.

The rep I worked with was really nice and helpful. She broke things down for me and was able to work out a payment plan. One account has been paid off and another is still being set up. Working with CreditAssociates has gotten me in a better position than where I was. I’m thankful for that.

I have a lot of debt and credit so I reached out to CreditAssociates. They have been good, so far. I like the service.

I've been with CreditAssociates for a year and they've already settled one thing. I’d recommend them.

It's been very good with CreditAssociates. I don't worry about the bills that I had. They are taking care of that.

CreditAssociates is very good in working with me and working with the credits. I don't get a phone call every day about my debt now that I work with them.

This Company is NOT Going to try to get your accounts settled for less than 50%! And then they congratulate themselves for getting that. I personally called the Creditors myself and was able to get EVERY Single Card down to 70% or 90%!!!! AND I didn't have to pay Credit Associates their 50% FEE! DO NOT PAY Them to do something you can do very easily and MUCH CHEAPER Yourself!!!

CreditAssociates is very professional, pleasant, and helpful. It's getting things done.

CreditAssociates have been good, so far. Their rep was pretty much down-to-earth and told us the way their program was. My wife and I misunderstood the tax deal that he told to us. We like to be done with the program but we’re happy so far. Since working with them, we've hdad the phone calls stop.

I needed help financially so I reached out to CreditAssociates. The rep I worked with was great. I've actually had a good experience every time I've called. The only thing that happened was there was one credit card that didn't show up. I kept saying that. I thought there was one, and they said they didn't see anything. So I just let it go. Then I got a call from CreditAssociates a couple of weeks ago, saying that there was another one and they were going to add it in. CreditAssociates has done a great job.

Great, Helpful team of people. As of now Done everything that they said they would do. They are staying on the schedule that they said they would. So far I am very happy. The team was very helpful and knew that they were doing and helped me understand.

The people from CreditAssociates are pretty easy to work with. When something is going on, they let me know, plus I can get into my account. Any time there's a change or something happens, I get an email.

I was told I'd see my my debt start getting paid off in 6 months, I'm a year and a half in and nothing is paid off, 1 debt went to collections and my credit score has nose dived ..I would not recommend this company to anyone ..I made a big mistake when I chose Credit Associates.

CreditAssociates seemed like a good choice. I just kept hearing their advertisement and decided to give them a call one day, and it was a wise choice. Everybody's been nice.

CreditAssociates is the best. They helped me a lot and I'm so happy.

CreditAssociates is a good outfit to work with, so far. I sought out their service for credit cards. It has been pretty good and it's working. I’m getting my debt paid down. We've done quite a bit, so my debt probably half of what it has been.

I'm very satisfied with CreditAssociates. The rep I worked with was very nice and everything went fine.

CreditAssociates closed one of my outstanding accounts that needed to be negotiated within two months. I have two remaining. One settlement is in process, and the other one is still listed as delinquent. They're moving forward, but I haven't heard much from them in quite some time. I don't get involved too often and I trust that this is an ongoing process and that they will keep me updated. Also, I haven't had any problems with the direct consultants that I've been working with.

The rep was compassionate about what I was going through. He seemed to know his job. The only bad thing is trying to get ahold of someone with CreditAssociates. I talk to the people that were handling the money affairs of it. I got a text message that says they negotiated another one of my account, and I'm not good with the computer. So logging in, I don't remember my password, or if I made a password. I would just like to talk to somebody instead of logging on, because now I know a couple of my accounts have been paid off, but all you get are the people who are taking your money.

I had a disastrous year and got way behind. I ran up the credit cards, so I had a good debt. The company that I worked for for the last 14 years ceased operating back in April. There was no more income coming in. It was a bad time. I reached out to CreditAssociates and I worked with a pleasant rep. I had worked with them before and got totally out of debt. So, I was very comfortable with them. I knew the scheme. Anything I wanted to get, I could get it online. They give me reports, and they did what they said they would do pretty well.

I’m happy with CreditAssociates. Everything is going good. Their reps are very nice and very easy to work with.

CreditAssociates' reps seemed fine over the phone. The people I spoke with are professional. Out of three items, they took care of two, and I'm just waiting on the other one. I sent them all the money that they needed to finish the job but they haven't resolved it. But for the most part, everything has been okay. They take care of everything.

I spoke to someone at CreditAssociates and she was okay. The amount that I needed to pay seemed reasonable over a period of time to get rid of the debt that I owed. If there were concerns, they would call me on the phone and I talked to them on the phone. I am okay with my payment schedule because it’s set up where payment is taken from my account every month.

I've been in CreditAssociates' program for a year and they've done well. I contact them if I need to and they correspond with me through email. Also, everything is up on the website and I can look at things there. They also always answered my call from the 1-800 number if I called for anything. Their customer service has been very good and professional. So far, payments have been well. I would highly recommend CreditAssociates to someone who is in a lot of debt. People need to know about them. They have helped me be able to focus and be able to maintain.