Is CreditAssociates Legit?
We've settled $575 million in debt each year, helping clients save an average of $40,000*
*Based on paying minimum payments and high interest rates over time.
- Headquarters
- Dallas, Texas
- Resolving debt for
- More than 20 years
BBB Accredited Business
About the Company
Accredited, Verified, and Based in Dallas
If you're researching CreditAssociates before enrolling in a debt settlement program, you're doing the right thing. Choosing who to trust with tens of thousands of dollars in debt is a significant decision, and it should come with questions.
CreditAssociates is an accredited debt settlement company based in Dallas, Texas, that has been helping clients resolve unsecured debt for more than 20 years. Along the way, the company has earned recognition from respected organizations that evaluate business practices, customer experience, and industry standards — including an A+ rating with the Better Business Bureau, verification by Dun & Bradstreet, accreditation from ConsumerAffairs, and accreditation by the Association for Consumer Debt Relief (ACDR).
Below, you'll find the ratings, client reviews, program details, and measurable results you can verify to help you make an informed decision with confidence.
Why Clients Choose Us
Why Do Clients Trust CreditAssociates?
Trust isn't built on promises alone. It's earned through experience, transparency, proven results, and recognition from respected industry organizations. Here are a few reasons people choose CreditAssociates.
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20+ years of helping people resolve debt through personalized debt settlement programs
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1,000+ creditor relationships to help negotiate qualifying unsecured debt
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No upfront fees — you only pay after a settlement is successfully negotiated and you approve the agreement
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Dedicated Client Success Team to guide and support you throughout your program
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Exclusive DebtApp® that gives you 24/7 visibility into your account, settlement progress, and completed agreements
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Accredited by the Association for Consumer Debt Relief (ACDR), reflecting a commitment to industry standards and ethical practices
How Successful Is the CreditAssociates Program?
CreditAssociates has settled debt for more than 100,000 clients over the past decade.
- $575M+ in debt settled every year
- $40,000+ average client savings*
- up to50% potential savings on enrolled debt
- 10,000+ clients graduate from the program yearly
Behind every one of those numbers is a client who traded high-interest debt and minimum payments for a program with an endpoint.
*Based on paying minimum payments and high interest rates over time.
Ratings & Accreditations
How Is CreditAssociates Rated?
Independent organizations evaluate companies using factors like customer experience, business practices, industry standards, and credibility. Here's how CreditAssociates is recognized by several of those organizations.
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Better Business Bureau (BBB)
A+ Rating
CreditAssociates holds an A+ rating. BBB ratings weigh 17 factors, including complaint volume, response speed, transparency, and years in operation.
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Trustpilot
4.8 out of 5
CreditAssociates carries a 4.8 out of 5 Trustpilot rating built on more than 22,000 verified client reviews.
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ConsumerAffairs
Accredited
Accredited through the ConsumerAffairs Code of Good Business Practice, with no active enforcement or legal action from regulatory authorities.
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Dun & Bradstreet
Verified
Verified through D&B's proprietary business credibility review process, the same standard D&B has used since the 1930s.
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Association for Consumer Debt Relief (ACDR)
Accredited Member
CreditAssociates is accredited by the Association for Consumer Debt Relief, an organization that promotes ethical standards and best practices within the debt settlement industry.
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International Association of Professional Debt Arbitrators (IAPDA)
Certified
Every CreditAssociates debt specialist holds an active IAPDA certification, which requires completion of the industry's standard training program.
The Program
How the CreditAssociates Program Works
CreditAssociates negotiates directly with creditors to reduce the total amount you owe. Clients typically enroll with $7,500 or more in unsecured debt and complete the program in as little as 12–24 months. The program follows four stages.
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Free consultation
A CreditAssociates specialist reviews your debt, income, and options. No cost, no obligation.
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Dedicated savings account
You make one monthly deposit into an account in your name. This builds the funds used to settle your debts.
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Negotiation
CreditAssociates negotiates directly with your creditors to settle balances for less than you owe.
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Resolution
Debts are resolved one by one until the program is complete.
$40,000+ average savings. 10,000+ clients graduate yearly.
See what your debt could look like on the other side of our program.
Get Your Free ConsultationOr call 1-800-983-6693
Client Reviews
What Do Clients Say About CreditAssociates?
CreditAssociates carries a 4.8 out of 5 Trustpilot rating from more than 22,000 verified client reviews. Trustpilot is an open platform where anyone can post. Clients rate the program 4.8 out of 5 because they finished it with tens of thousands of dollars less debt than they started with. Beyond Trustpilot, CreditAssociates has been named a top-performing debt settlement company by independent industry evaluators and maintains an A+ rating with the BBB across a decade of consumer interactions.
Top Rated
Debt Relief Company
Excellent
4.8 out of 5 stars based on 22,000+ reviews
They were honest, upfront, trustworthy, and saved me almost half of my debt. I would recommend them to everyone I know. Thank you CreditAssociates!
I decided to make the call and was immediately assisted and guided through the process. I am saving so much now! I should have made the call sooner!
Were able to cut my total balance in half. Remove interest and create a manageable payment plan. The fee for their services was well worth the stress-free resolution.
This company is amazing, cut my debt in half and gave me peace of mind.
Great service with great people! They were able to cut my debt… This was a gargantuan weight lifted off my shoulders.
I kept hesitating to call but I'm so relieved I did… She was so nice and explained everything… Wish I called sooner.
This has been an awesome experience. I didn't realize that part of what I'm getting reduced could even be included. I am so thankful I called.
Next Step
Get Help with Debt Relief
If you have $7,500 or more in unsecured debt and want to see what a settlement program could save you, the next step is a free consultation. A CreditAssociates specialist will review your situation, run the numbers, and answer your questions. No cost, no obligation.
Get Your Free ConsultationOr call 1-800-983-6693
Frequently Asked Questions
CreditAssociates FAQs
Get answers to common questions about CreditAssociates reviews, ratings, and complaints.
Is CreditAssociates a scam?
No. CreditAssociates is a legitimate debt settlement company with 20+ years of operation, an A+ BBB rating, IAPDA-certified Debt Consultants, and over $575 million in debt settled every year.
Is CreditAssociates legitimate?
Yes. CreditAssociates is a licensed debt settlement provider verified by Dun & Bradstreet, accredited by ConsumerAffairs and the Association for Consumer Debt Relief (ACDR), and rated A+ by the Better Business Bureau. Every debt specialist on staff holds an IAPDA certification.
What is CreditAssociates' BBB rating?
CreditAssociates holds an A+ rating with the Better Business Bureau, based on the BBB's 17-factor evaluation of complaint history, response time, and business practices.
How does CreditAssociates handle complaints?
Complaints in this industry typically involve program timelines, creditor lawsuits during enrollment, or fee questions. CreditAssociates works to resolve them through a dedicated specialist assigned to each client, transparent progress updates on every enrolled account, and legal support if a creditor sues during the program.
How much does CreditAssociates cost?
There are no upfront fees. CreditAssociates charges a fee only after a debt is settled, calculated as a percentage of the enrolled debt. All fees are disclosed during the free consultation.
Is debt settlement with CreditAssociates legal?
Yes. Debt settlement is legal in the United States and is a legitimate option for consumers struggling with unsecured debt. CreditAssociates negotiates directly with creditors on your behalf to help resolve qualifying debts for less than the full balance owed.
Will CreditAssociates affect my credit score?
Debt settlement typically has a negative impact on your credit score in the short term because enrolled accounts often become delinquent before they are settled. Many people who explore debt settlement are already experiencing financial hardship and missed payments. For those individuals, the goal is to resolve overwhelming debt and work toward rebuilding financial health over time.
Will creditors stop calling?
Once you enroll in a debt settlement program, creditor communication may change, but there is no guarantee that collection calls will stop immediately. Your debt specialist will explain what to expect based on your circumstances.
Can I keep using my credit cards?
Most people enrolled in a debt settlement program stop using the credit cards included in the program. Continuing to add new charges can make it more difficult to resolve your debt and may affect your eligibility. Your debt specialist will explain which accounts should no longer be used.
How long is the CreditAssociates program?
Most clients complete the program in 24 to 36 months, depending on total enrolled debt and monthly deposit amount.
Is CreditAssociates the same as debt consolidation?
No. CreditAssociates is a debt settlement company. Debt settlement negotiates the amount you owe down; debt consolidation combines debts into a single loan. These are two different products.
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