Bills.com Review of Credit Associates

If you're struggling with over $10,000 worth of debt and want to work with a trusted company on a debt settlement program, it's time to consider Credit Associates. While there are lots of debt relief companies out there, the Vills.com review of Credit Associates recommends it as a trusted company to help consumers get out of debt. Keep reading on for 

 

Background 

Credit Associates is a company that specializes in debt settlement. They were created in 2007 and currently have headquarters in Dallas, Texas. Credit Associates is an accredited member of the AFCC, BSI, IAPDA, Consumer Affairs and D&B Credibility Corp and operate 6 days a week. They are a company dedicated to providing consumers with debt relief strategies and currently have a 4.9/5 star review on TrustPilot based on 10,283 reviews. 

 

Credit Associates has designated debt consultants who work with individuals on managing and eventually paying off their debt. They work with creditors to negotiate the best payment possible and allow you to track your progress and account status via their portal 24/7. 

 

Top Features 

Credit Associates is said to be a reputable debt relief company that ultimately want the best for their customers. As they are a member of the American Fair Credit Council, they must follow a strict code of conduct when dealing with creditors and people who have debt. They can handle many different types of debt including medical debt, credit card debt, business debt and more. These are the top features of Credit Associates according to bills.com

 

Large Footprint: They operate in 42 states, which means they have a large footprint across the United States. This helps ensure that they are familiar with the creditors you're dealing with when trying to negotiate a better deal on your end. 

 

Manageable Timeframe: Credit Associates has a debt settlement program that requires 24-36 payments. This is an aggressive strategy to negotiate the debt to the best rate possible. While this helps consumers to become debt free quicker and can help them gain an attractive monthly payment, it also requires the individual who owes a debt to make every one of their payments. 

 

Debt Management Facility: Some companies that specialize in debt settlement will only handle certain types of debt. Credit Associates deals with a wide variety of debt with a minimum enrollment of approximately $10,000. 

 

Free Services: Credit Associates provide consumers with a free consultation of their current finances, debt owed, etc. before starting a program with them. This is a definite bonus point when dealing with this company as lots of other companies won't even pick up the phone without a fee being involved. 

 

Reasonable Pricing: While no company can guarantee how much they can save you (this is illegal and not possible), Credit Associates claims to save consumers approximately 35% of their original debt. 

 

How Do They Compare to Other Companies? 

Bills.com has provided Credit Associates with a 4-star rating when it comes to their services. Compared to their leading competitors Freedom Debt Relief and National Debt Relief, they score less than bills.com review of these companies. Bills.com has awarded Freedom Debt Relief with a 4.9-star rating and National Debt Relief with a 4.6-star rating. Keep reading on for further information on how Credit Associates compares to its rivals: 

 

Similar program lengths: Freedom Debt Relief and National Debt Relief both have debt settlement programs built around a 24-48 month timeframe. This is similar to Credit Associates, which has a 24-36 month program for clients. 

 

Customer support: Credit Associates can be contacted 6 days a week, from 08:00 a.m. - 08:00 p.m. Monday to Friday and from 09:30 a.m. - 3:00 p.m. on Saturday. This compares favorably to rival company National Debt Relief that is only open from 10:00 a.m. to 08:00 p.m. Monday to Friday. Freedom Debt Relief, however, provides consumers with phone support 7 days a week. 

 

Accreditation: Both Freedom Debt Relief and National Debt Relief are American Fair Credit Council Accredited Members of the International Association of Professional Debt Arbitrators Platinum Members. While Credit Associates are American Fair Credit Council Accredit Members, they have not achieved Platinum status like their rivals. Click here for more on what Bills.com says about Credit Associates. 

 

What Does Bills.com Like About Credit Associates? 

They like that Credit Associates has lots of experience and a proven debt negotiation team. If you're paying someone to negotiate on your behalf, it pays to have extensive experience to know how to secure the lowest rate possible. 

 

Credit Associates also has positive customer reviews on trusted websites. Compared to other debt settlement companies, this is a huge positive when it comes to dealing with this company. 

 

You can also track your ongoing progress to becoming debt-free with their online portal. This portal allows you to view your account status 24/7 which is hugely helpful if you want to see the status of your account when the company is closed. 

 

What Services Does Credit Associates Provide Consumers? 

Credit Associates offers debt settlement programs to help consumers who are dealing with debt. It's important to understand whether you qualify for the type of debt settlement Credit Associates provides before pursuing this debt relief strategy. Read on for their top requirements before helping consumers with debt settlement programs: 

 

Financial Difficulty: In order to qualify for debt settlement, you need to be in a position of financial hardship and multiple months behind on outstanding payments. 

 

Ready to Make Monthly Payments: In order to qualify for a debt settlement plan with Credit Associates, you need to be able to make monthly payments. This not only helps their position when negotiating a better rate but also guarantees that the program they create will work as it's designed on a timeframe of 24-36 months. 

 

A large Amount of Debt: Consumers need to have at least $10,000 worth of debt before Credit Associates will help them with a debt settlement plan. 

 

Bills.com Review of Credit Associates 

While there are lots of debt relief companies out there who specialize in debt settlement strategies, there are few that can be trusted and recommended by leading bodies. If you're currently dealing with debt and don't know where to turn, we hope this Bills.com review of credit associates was helpful in case you want to work with a trusted company.