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What Is Credence Resource Management?

Sarah Edwards | October 27, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Credence Resource Management is a collection agency based in Dallas, Texas. If this company is coming after you for a debt, use SoloSuit’s Debt Validation Letter to force them to verify the debt before contacting you further.

Summary: Credence Resource Management is a collection agency based in Dallas, Texas. If this company is coming after you for a debt, use SoloSuit’s Debt Validation Letter to force them to verify the debt before contacting you further.

When you fall behind on your bills, your original creditor may sell your account to a debt collection agency. Selling your account allows creditors to collect a portion of your debt. They’ll sometimes receive additional money if the collection agency successfully collects more from you.

Credence Resource Management is a debt collector you may hear from if you have an overdue bill with a telecommunications company, utility service, or healthcare firm. The company purchases debts from various clients, including AT&T, Cox, Dish Network, and some healthcare companies, and tries to collect them from consumers.

Keep reading to learn more about Credence Resource Management, how it works, and how you can beat the company in court.

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An overview of Credence Resource Management

Is Credence Resource Management a valid collection agency?

Yes, it is. Credence Resource Management is a debt collector specializing in telecommunications, utility, and healthcare consumer obligations. Its corporate office is 4222 Trinity Mills Road, Suite 260, Dallas, TX 75287.

Consumers who are contacted about a debt with Credence Resource Management can pay their bills through the company’s website or by calling (855) 880-4791. Another number, (855) 880-4792, is available for complaints and disputes.

Credence Resource Management’s website isn’t exactly a treasure trove of information. It contains a privacy policy and a list of consumer legal rights.

Interestingly, the company also provides a refund policy. Under the policy, the company will initiate refunds 15 days after a transaction if the payment was a mistake, a duplicate transaction, or not for the intended purpose. However, before it grants a refund, Credence Resource Management requires you to confirm that you will not request a stop payment or charge-back from your bank.

You don’t have to pay Credence Resource Management for a debt you don’t owe. Force the collector to validate, with a Debt Validation Letter, your debt before you take any action. Watch the video below to learn more:

What does the BBB say about Credence Resource Management?

Often, the best source of information about a company isn’t its marketing materials or website—instead, customer reviews give insight into the organization’s operations.

Credence Resource Management has an accredited profile with the BBB. As of April 2023, it has a rating of “B” due to the 800+ complaints filed against the company. Customers rate the company an average of 1.06 out of 5 stars.

Due to the excessive volume of customer complaints against the company, the BBB has published only about 25% of them. Most complaints are from consumers who have found adverse information about overdue debts on their credit reports despite not receiving any prior communication from the company.

Other consumers cite a high volume of calls from Credence Resource Management, often from spoofed numbers they don’t recognize. Other consumers complain that the company refuses to validate their debts, despite reporting them to the credit bureaus.

Below is an example of a real complaint against Credence Resource Management, taken from its BBB profile:

“My son had a seizure on December 21, 2022. He was taken to the hospital. The ambulance company sent us straight to a collections company without contacting us. The collection company said we owed $1,192.11. I contacted the ambulance company to run our insurance. After they ran it, Credence Resource Management said that we still owed $700. They said they would let us resolve the debt for $566, which I paid. I called my insurance the next day and they said I wasn't supposed to pay anything. I called credence and told them to refund me. They said that if they refund me I would still owe the money. I told them to refund me anyway. They said they would refund me in 7-10 days, but they didn’t, so I called again. They said I would get the refund in 21 days. At this point I do not believe them. I would not have gotten my money back if I had not contacted my insurance company and found out I wasn't supposed to pay and then contacted them and asked for a refund. I filed a dispute with my credit company.”

In this example, Credence Resource Management is in violation of the Fair Debt Collection Practices Act (FDCPA), as the company is collecting an invalid debt and failing to verify it. Luckily, you can defend yourself if Credence Resource Management violates the FDCPA. Here’s how.

You have rights under the FDCPA

If Credence Resource Management is pursuing you for debt, understand that you have protections afforded to you by the FDCPA. Under this act, collection agencies like Credence Resource Management cannot harass you by:

  • Threatening to destroy your reputation or property if you don’t repay a debt.
  • Pretending to be someone they’re not, like a law enforcement officer.
  • Calling you repeatedly throughout the day.
  • Contacting you at work if you ask them not to.

Collection agencies must also provide consumers with a written notice containing information about their debt, including the amount owed, the name of the original creditor, and the option for further validation within 30 days of the initial communication.

Let’s consider a hypothetical example.

Example: Betty receives a notice from Credence Resource Management alleging she owes $300 for an unpaid utility bill. Betty doesn’t recognize the utility company's name, so she asks Credence Resource Management to fully validate the debt. It can’t provide any supporting information, so it stops contacting Betty and dismisses the debt claim against her.


Is Credence Resource Management hounding you for unpaid debt? Use SoloSuit’s Debt Validation Letter to validate your debt.

Credence Resource Management tries to collect consumer debts

If you’re receiving calls or letters from Credence Resource Management, they’re likely concerning a debt you may owe. Before paying the company, ensure you owe the debt by requesting full validation. Under the FDCPA rules, Credence Resource Management must comply with your request or drop the claim.

You have options if Credence Resource Management is suing you for an unpaid debt. Settle your obligation with help from SoloSettle. Watch the following video to learn more:

What is SoloSuit?

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You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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