Credit Associates Reviews 2023

If you are going through a financial crisis and want some help in getting rid of your debt sooner, then you are on the right page.

In this Credit Associates Reviews, we will fill you in with all the essential details that you should know so that you can decide if it is right for you or not.


PortalCredit Associates Reviews
Minimum Debt Settlement RequirementNot disclosed
FeesNot disclosed
FeaturesFree consultation, Money-back guarantee, etc.
WebsiteClick Here

Key Takeaways

  • Credit Associates can help you with debt consolidation, debt settlement, debt counseling, and debt management plan options.
  • They can reduce your debt by up to 50%, excluding fees.
  • Credit Associates offers a $2000 money-back guarantee in case they fail to deliver their promise.
  • They have a very high rating of 4.9/5 stars on Trustpilot.

What Is Credit Associates?

What Is Credit Associates?
What Is Credit Associates?

Credit Associates is America’s number one debt relief company whose aim is to reduce the overall debt amount that its customers owe, it was founded in 2016 in Dallas, Texas.

Credit Associates is accredited by the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA).

You can find solutions like debt consolidation, debt settlement, debt counseling, and debt management plans with Credit Associates.

To get started, you simply need to get in touch with their team for a free counseling session, and the best part is that Credit Associates asks you to pay them only when you see the results.

Credit Associates has helped thousands of people and have considerably reduced their debt by up to 50% excluding fees. Let’s find out more about the features, services, pros, cons, etc., of Credit Associates.

Read How To Pay Off Debt Fast

Also Read What Is Debt Financing? 

How Can Credit Associates Help You With Your Debt?

Features And Services

Credit Associates Features And Services
Credit Associates Features And Services

These are some of the features and services of Credit Associates.

  • Custom Plans – Each person’s financial situation differs, which is why Credit Associates offer custom plans to its clients based on their paying capacity and needs.
  • Money-Back Guarantee – Unlike any other debt relief company, Credit Associates offers its client a $2,000 Money-Back Guarantee. So if you enroll with them, and for some reason, they fail to keep their promise, then they will pay you $2,000.
  • Free Debt Health Check – You can use Credit Associates to see if you qualify to get your debt reduced by 40-50% minus fees. You can also get a report of your credit score instantly without affecting your credit score.

Pros And Cons


  • Money-back guarantee
  • Reduce debt by almost half
  • No upfront fee
  • High customer satisfaction score
  • Free consultation
  • A+ BBB rating


  • No information about pricing

How Does Debt Settlement Affect Your Credit?


Credit Associates has not disclosed its fees on its website. However, the industry standard is 15-25% of the enrolled debt amount, so you can expect to pay them somewhere near that.

They also do not charge up-front fees and ask you to pay only after settling your debt. To get a quote on their fees, make sure to contact them.

Minimum Debt Amount 

Credit Associates has not disclosed its minimum debt requirement amount even.

The industry average for the same is $7,500-$10,000, so you can again expect to pay somewhere near this amount.

Also Read: How To Write A Debt Settlement Proposal Letter?

Debt Relief Time

Based on your unique situation, the amount of debt you owe, and the amount your creditor agrees to accept your debt settlement for, it can take anywhere between 12-48 months for you to get out of debt.


If you enroll yourself in the Credit Associates program then you can expect to get your total enrolled debt amount to be reduced by 40-50% excluding fees.

Types Of Debt Addressed

Let’s have a look at the kinds of debt addressed by Credit Associates:

  • Unsecured loans
  • Credit Card debt
  • Student loans
  • Personal loans
  • Lines of credit
  • Medical bills

Also Read: How Does Debt Relief Work, What They Do?

How To Get Started?

To get started with Credit Associates, you just have to follow these two simple steps:

1. Go to Credit Associates’ website.

How To Get Started with Credit Associates

2. Now fill out the information, including your name, email id, contact number, city, etc., and click on “Get started.”

Get Started with Credit Associates

3. Once you submit the form, a member of their team will get in touch with you shortly.

4. If you do not want to go through this hassle, then you can simply call them on 800-587-5468 for a free consultation.

Customer Service

Credit Associates has excellent customer support, and you can get in touch with their customer support by calling on 800-587-5468 this number.

They are open Monday to Friday from 7:00 am-11:00 pm CST and on Saturdays from 8:00 am-8:00 pm CST.

NPC Credit Associates Ratings

Customer Service4.8/5
Debt Settlement help4.9/5
Ease of use4.8/5

Customer Ratings And Reviews

Credit Associates Customer Rating And Review
Credit Associates Customer Ratings And Reviews
Credit Associates Customer Ratings And Reviews

Out of 10,534 customer reviews on Trustpilot, Credit Associates has been given a staggering rating of 4.9 stars out of 5 stars. 93% of people gave it a five-star rating, and only 1% of people gave it one star.

Credit Associates is by far the only company with such a huge customer satisfaction rate.

What Differentiates It?

What differentiates Credit Associates is its result-oriented service and unbeatable results.

They give you the authority to fix the monthly-payment amount instead of them fixing it for you.

Also, they offer a money-back guarantee in case they fail to benefit you from their program.

They have an insane customer satisfaction score, and they even display proven results of the success of their clients on their website.

Credit Associates is truly a great debt relief company, and you should consider it for yourself.

Our Experience

We contacted the Credit Associates team to discuss what debt relief options we have.

Our call lasted for twenty minutes, and one of their certified credit counselors talked to us and gave us a couple of debt solutions.

When we were sure, we enrolled in their program; it’s been twelve months now, and everything is going very smoothly; we are sure we will get rid of our debt in a few months. All thanks to Credit Associates.


CompanyCredit AssociatesClearOne Advantage
Minimum Debt Settlement RequirementNot revealed$10,000
FeaturesFree debt health check, Money-back guarantee, etc Credit counseling services, educational blogs, etc
FeesNot revealedNot revealed
Relief Time12-48 months24-60 months
Savings40-50% excluding fees50% excluding fees
BBB ratingA+A+
Trustpilot Rating4.9/54.9/5

Also Read ClearOne Advantage Reviews

How We Review Debt Settlement Companies?

We review debt settlement companies after considering the following factors:

  • Fees they charge
  • The minimum debt settlement amount
  • Customer reviews
  • Time is taken to settle the debt
  • Types of debt addressed
  • Online reputation
  • Features and services

Read Our Detailed Debt Relief Review Methodology

Final Verdict

Credit Associates is undoubtedly a good company having good customer satisfaction, but the only flip side is that they have not disclosed their fees and also their eligibility criteria making it difficult for users to make a clear decision.

But if you are looking for an equally good company having transparent fees and policies, then you can go for CuraDebt, which charges 20% of your enrolled debt amount and require you to have a debt of $5,000.

We hope you found this article helpful.


In how many states does Credit Associates offer its services?

Credit Associates offers its services in 42 states except for Colorado, Vermont, Connecticut, Maryland, Minnesota, and Wyoming.

In how many month can I expect to get my debt settled?

You can expect to get your debt settled in 24-48 months with Credit Associates.

What all accreditation does Credit Associates has?

Credit Associates is accredited by AFCC and IAPDA.

Will I continue to accure late fees and interest rate during the program?

Yes, you will. However, their team of experts will try to settle your debt within your original budget.

Does Credit Associates guarantee results?

No, they do not guarantee results, just like any other debt relief company, and that is because they cannot force your creditors to agree to a settlement.

NPC Overall Rating

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