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CreditAssociates Reviews

Dena Standley | February 14, 2024

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: CreditAssociates has good online reviews and is among the debt relief companies that really offers hope to consumers in handling their debt situation. They help their clients pay their debt via settlement. Consumers have mixed reactions to their services.

Overwhelming pending debt can cause you unending misery if you lack the means to pay and can’t implement a strategy to obtain debt relief. That's where CreditAssociates and other debt-relief companies come in to help consumers like you. Countless debtors have managed their debt using CreditAssociates and have positive things to say about them.

Others have been left in the same position or worse off than when they started working with them and would not recommend their services. SoloSuit has researched various reviews about CreditAssoicates and why consumers choose to work with them. First, let’s dive into more information about the company and how it works.

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What is CreditAssociates, and how does it work?

CreditAssociates is a well-known debt settlement company in business for over 15 years. It helps consumers pay their unsecured debt for less than they originally owed. CreditAssociates operates in 43 states and Washington, DC, and they are certified members of the American Fair Credit Council (AFCC), increasing their credibility to consumers.

Below is CreditAssociates phone number and other contact information:

CreditAssociates offers diverse services that range from personal consultation to taking up the role of negotiating with creditors on behalf of their clients. In negotiations, they often succeed in reducing the debt balance or interest rate and eliminating late fees and other charges. These results are made possible because of their long-standing working relationships with creditors. They promise to get their clients out of debt in 24 to 28 months, but promises like this should always be approached cautiously.

What do CreditAssociates reviews say?

Reviews from various platforms tell us that CreditAssociates has a mostly positive reputation.

CreditAssociates has received many positive reviews from platforms such as Trustpilot (4.9 out of 5 stars from nearly 15,000 reviews) and Google (4.4 out of 5 stars from almost 2,000 reviews).

Let’s take a look at some real CreditAssociates reviews:

On the other hand, the CreditAssociates profile with the Better Business Bureau has a poor rating score of 1.15 out of 5 stars. The company’s consumer complaint section shows more than 100 complaints closed in the previous three years and dozens of complaints received in the last 12 months. The complaints range from waiting too long to get a response about their debt, talking to a representative who wasn't transparent about the entire process, and not making payments to creditors after the agreed saving period expired. Here is an example of a negative BBB review:

"I enrolled several cards, and CreditAssociates negotiated most of them. However, one could not be settled, leading me to be sued! When I alerted CreditAssociates about it, they told me to send in the documents, that they'd contact me if needed, and that they'd be handling it from there. I never heard from them at all, and the account still showed in progress. After some time, I received a letter stating that my wages were set to be garnished. Again, I contacted them and was promised their legal team would step in on my behalf, but they exhibited negligence and incompetence. I missed final deadlines and dates, and now there is nothing I can do other than come up with the total amount due or have 10% of my wages garnished indefinitely with no cap until the debt is paid."

To avoid being in a situation similar to the one above, carefully look for their reviews on platforms such as Trustpilot, Consumer Affairs, and Consumer Financial Protection Bureau (CFPB). You can also search on Google using these two common search phrases: CreditAssociates debt forgiveness reviews and CreditAssociates debt relief review.

Why do consumers use CreditAssociates?

Consumers use CreditAssociates because they have a track record of helping clients get out of debt. The following are specific reasons why consumers choose to work with CreditAssociates:

  • They give their customers a tailored plan to help them clear their debt
  • They lower the total debt amount to a level the consumer can pay
  • They offer educative information that can help their clients manage their finances
  • They communicate directly with the creditor on behalf of the client

Some consumers do not like that the debt settlement company negotiates on their behalf. Other options, such as SoloSettle, exist that allow you to take charge of the negotiation process while still benefiting from the services of a debt settlement company. Learn more about SoloSettle in the video below.

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