We Believe Life Is Lived Better, Debt-Free.

For 20 years, the CreditAssociates’ team has helped people across 36 states and territories find a clear path out of unsecured debt. We show up with respect, clarity, and hope at one of the most difficult moments in our clients’ lives, and we stay with them every step of the way.

By the Numbers

20

Years in Business

302+

Creditor Relationships

36

States & Territories Served

4.8

Trustpilot Rating

Our Story

We are people who believe debt doesn’t define a person’s future. Often, we meet clients at one of the most vulnerable moments of their lives, and we take pride in showing up with respect, clarity, and hope. We are coaches, advocates, and problem-solvers. We listen first. We lead with empathy. And we treat every conversation as an opportunity to change someone’s story.

For two decades, CreditAssociates has been focused on one thing: helping people resolve unsecured debt for less than they owe, as quickly as possible. Our debt resolution program is built around individualized planning, direct negotiations with creditors, and transparent progress tracking from enrollment through final settlement.

Today, we work with more than 302 creditors across 36 states and territories, bringing the same empathy-first approach to every client we serve, regardless of how much debt they carry or how long they’ve been carrying it.

Mission, Values, and What Drives Us

Our Mission

To help our clients get out of debt as soon as possible, so they can start living a better, debt-free life again. CreditAssociates offers a proven and effective debt resolution program. As their debt-free advocate, we partner with our clients each step of the way to reduce their debt as quickly as we can, for a fraction of what they owe.

Our Core Values

Our success depends on our clients’ success
We want our clients to make informed decisions
Carpe diem
Have fun
Follow the golden rule

Our Four Pillars

Trust: We give our clients a reason to trust us, and we trust each other.

Collaboration: We work together with the sole focus of serving our clients as best we can as a team.

Performance: We each have goals and objectives that align with the overall business plan.

Sense of Urgency: We are proactive, energetic, and driven to help our clients succeed.

Ratings & Recognition

4.8

Trustpilot Rating

19,980+ Five-Star Reviews

A+

BBB Rating

330+ Five-Star Reviews

2024 & 2025

Top Places to Work

in Dallas Morning News

4.2

Google Rating

2,540+ Reviews

We Are Accredited

What Our Clients Say

Amanda G., Wisconsin

“I was new to this process and was uncertain that this program was the right option for me. My debt will be paid off in 4 years instead of 7 years. I feel a sense of relief and believe this was the best decision I made to leave my past behind and help improve my future.”

Brian T., California

“I am really impressed with CreditAssociates. It was hard to trust that they had my back when I first signed up, but in the end, they pulled through for me. I owed nearly $9,000, and they were able to negotiate it down to $2,800. I was speechless. Thank you CreditAssociates!”

Sophia K., California

“I’ve been really happy with my experience with CreditAssociates. They’ve been very kind, flexible, and helpful. My only regret is that I didn’t do this sooner. I’m more than halfway through my program, and I’m only 8 months in.”

For confidentiality purposes, the images above are not photographs of our actual clients but are representative samples of who we successfully serve.

Credit Associates Gives Back

CreditAssociates is committed to giving back to the communities we serve. Our belief that life is lived better debt-free extends beyond our clients. Financial hardship doesn’t exist in isolation, and neither does our commitment to making a difference.

We are proud to support: