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in Debt Settlement Companies from CreditAssociates LLC
SuperMoney Net Recommendation Score +100  


This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

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CreditAssociates Review

CreditAssociates LLC is a debt settlement company based in Dallas, TX. It offers debt relief services to borrowers in 31 states (and Washington, DC). CreditAssociates was founded in 2015. It is an established company that has been in business for 8 years.

Key Takeaways
  • Minimum debt balance of $10,000. CreditAssociates only considers clients who have at least $10,000 in debt. This is a typical requirement for most debt settlement companies.
  • Performance-based fees. CreditAssociates bases its fees on how much you save when a settlement is accepted and not on the total debt enrolled like most debt settlement firms do.
  • AFCC and IAPDA accredited. CreditAssociates is a member of the American Fair Credit Council (AFCC), which is the largest trade association for the debt settlement industry. It also employs debt resolution specialists that have been trained and accredited by the International Association of Professional Debt Arbitrators (IAPDA).
  • Established company. CreditAssociates has been in business for 8 years.
  • Types of debt settled. CreditAssociates will only settle unsecured debts. These include credit card accounts, personal loans, and payday loans.
  • Available in most states. CreditAssociates is available in 31 states.
  • Offers in-house debt relief services. Some debt settlement companies act as intermediaries for larger firms. This company uses its own staff to handle debt settlement accounts.
  • Customer service availability. CreditAssociates LLC Users can track the progress of their settlement accounts at any time by logging onto their online account. It is strongly recommended by SuperMoney users for its customer service.
CreditAssociates LLC Pros & Cons
Pros Cons
  • No monthly consultancy fee
  • Has IAPDA accredited debt specialists on staff
  • AFCC member
  • Only considers clients with a minimum debt balance of $10,000
CreditAssociates LLC FAQ

What does CreditAssociates LLC do?

CreditAssociates LLC offers debt relief services for the following types of debt:

  • Unsecured debt, such as credit card debt, and personal loans.

What does CreditAssociates LLC charge?

CreditAssociates LLC operates on a contingency fee basis. Companies operating under a contingency fee model charge fees that are based upon a percentage of the debt at the time the consumer enrolled; occasionally they are based on a percentage of the savings negotiated by the debt-settlement company. Across the industry in general, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt.

CreditAssociates LLC charges fees of 25% of the enrolled debt.

Debt relief service pricing / costs can vary greatly from one client to another so it's best to speak to CreditAssociates LLC directly to determine an accurate quote.

Does CreditAssociates LLC offer a guarantee?

Yes, CreditAssociates LLC does advertise a money back guarantee. Money back guarantees in the debt settlement industry typically state you won't be charged any fees until your debts are settled. However, charging upfront fees is illegal in the debt settlement industry anyway. Check with CreditAssociates LLC for more details on their guarantee.

What is the minimum debt CreditAssociates LLC will consider?

CreditAssociates LLC will only consider customers with unsecured debt of $10,000 or more. Customers with less than $10,000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.

Does CreditAssociates LLC perform its own servicing in-house?

Yes, CreditAssociates LLC employs its own in-house servicing staff who manage the process and negotiate settlements on behalf of their customers.

What accreditations does CreditAssociates LLC have?

The two main trade associations in the debt relief services space are the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA).

  • CreditAssociates LLC is an accredited AFCC member.
  • CreditAssociates LLC is an IAPDA member.

CreditAssociates Disclosure: Individual results will vary based on ability to save sufficient funds and complete the program, the creditors in your individual portfolio, and amount of debt enrolled. Statements made are examples of past performance and are not intended to be a guarantee that your debt balances will be lowered by a specific amount or percentage, that you will be debt free within a specific time period, or a guarantee of future settlement results. While our program works aggressively to reduce your debt balances, creditors are under no contractual obligation to negotiate or accept settlement offers. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice and we do not provide credit repair services. Please contact a tax professional to discuss tax consequences of debt settlement. Our services are not valid in all states CreditAssociates, LLC is not a lender, creditor or debt collector. Approval for our debt relief program is contingent on having $10,000 or more in debt and a quantifiable hardship.
SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From CreditAssociates

We believe you shouldn’t have to spend the rest of your life paying off credit-card debt. We understand the frustration you must have when trying to deal with debt on your own, which is why we've helped resolve over 270,000 accounts for people just like you across the country.


Hours of Operation

Central Time
  • Sunday Closed
  • Monday 9:00am - 7:00pm
  • Tuesday 9:00am - 7:00pm
  • Wednesday 9:00am - 7:00pm
  • Thursday 9:00am - 7:00pm
  • Friday 9:00am - 7:00pm
  • Saturday 9:00am - 3:00pm

About CreditAssociates


  Available in 31 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Indiana
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Pennsylvania
  • South Dakota
  • Tennessee
  • Texas
  • Virginia
  • Washington, DC
  • Wisconsin

Feature Breakdown

Pricing Model Contingency Fee (% of savings)
Monthly Fee $0
% of Debt Fee 25%
Money Back Guarantee
Debt Type Unsecured Debt
Minimum Debt Owed $10,000
Program Length 24 - 36
AFCC Member
Contingency Model
IAPDA Member
In-House Servicing

CreditAssociates Community Reviews


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This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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