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Getting A Credence Phone Call? Here's What You Should Do

Joe Mahlow avatar

by Joe Mahlow •  Updated on May. 09, 2024

Getting A Credence Phone Call? Here's What You Should Do
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If you've been seeing the name "Credence" or "Credence Resource Management" pop up on your caller ID lately, you're not alone. Many people receive a Credence phone call, and figuring out why can be confusing or frustrating.

If those phone calls from Credence are stressing you out, don't worry; I'm here to help. 

We at ASAP Credit Repair are a living witness to the mental and emotional impact of getting these debt collection calls. But what if understanding these calls could help you? Yeah, for real, and here's how:

Avoid Scams: Knowing the signs of a fake Credence call can protect you from giving out personal information or falling victim to financial fraud.

Improve Your Credit Score: By dealing with legitimate debt from Credence, you can potentially raise your credit score and unlock better financial opportunities.

Gain Peace of Mind: Knowledge is power! Understanding your rights and how to handle Credence calls empowers you to take control of the situation

This blog post will explain what Credence Resource Management is, why you might be getting credence calls, and what you can do about them. 


Keep reading to turn those Credence calls from a source of stress into an opportunity to improve your financial well-being!

Who is Credence Resource Management?

Credence Resource Management is a debt collection agency located in Dallas, Texas. They specialize in helping companies in the healthcare, telecommunications, and retail industries recover outstanding debts from customers.

If you have an unpaid bill from a credit card company, medical provider, or another lender, Credence might be contacting you to try and collect the debt.

who is credence resource management

More About Credence Company

Company name: Credence Resource Management, LLC

Nature of business:

  • They help businesses collect money: Credence works on behalf of companies you might owe money to, like hospitals, phone providers, or stores.
  • They use a mix of strategies: Credence combines different approaches to collecting debts, including data analysis, communication strategies, and ensuring they follow all the relevant regulations.
  • They focus on results and customer experience: Their goal is to recover the owed funds while still treating customers with respect and following the law.

Address: Based on their official website, they are located at 4222 Trinity Mills Rd., Suite 260, Dallas, TX 75287

Phone numbers:  They have different phone numbers per department, like 1-855-880-4791 (Customer Care), 1-855-880-4792 (Consumer Complaints), and 1-855-880-4792 (Disputes) 

Official Website:

Contact email: We saw various emails per department too, like,, and

It's important to note that this description provides a general overview of Credence's services. If you're unsure why Credence is contacting you, the best course of action is to answer the call and find out.


Why am I getting calls from Credence?

There are a few reasons why you might be getting credence calls and we identified three of the most common ones.

You have an outstanding debt: This is the most likely scenario. If you have a debt that has been sent to collections, Credence may be calling you to try and collect it.

Debt in error: It's also possible that you're being contacted about a debt that you don't owe. This could be due to mistaken identity or an error on Credence's part.

Credence spam calls: While less frequent, there have been reports of credence spam calls. These are unsolicited calls from scammers who try to impersonate debt collectors to steal your personal information.

By understanding how Credence obtains your information, you gain valuable insight into the debt collection process. In the next section, we'll delve deeper into why Credence might be contacting you and explore your options for addressing their calls.

How Credence Gets Your Information

Before we give you straight answers to your question about “credence keeps calling me?”. I wanna talk about how they are getting your information. You see, they know your name, where you live and, of course, your number. Debt collectors like the credence company acquire information about potential debtors in a few ways:

From the Original Creditor: When you miss payments on a debt, the original creditor may sell the debt (for a fraction of the owed amount) to a collection agency like Credence. This sale often includes your personal information, such as your name, address, phone number, and details about the debt itself.

Public Records: Credence can also access public records databases to gather information about your whereabouts and assets.

Is Credence Resource Management Legit?

Yes, Credence Resource Management is a legitimate debt collection agency. Just like any collection company, they are required to follow the Fair Debt Collection Practices Act (FDCPA), which regulates how debt collectors can contact and communicate with debtors. This means they have limitations on the times they can call you, the language they can use, and the methods they can employ to collect the debt.

However, it's important to be aware of your rights and not be intimidated by Credence's collection efforts. If you believe they are violating the FDCPA, you can report them to the Federal Trade Commission (FTC).

is credence resource management legit

Recommended: How to Handle Debt When It’s Gone to Collections


The Reason Behind Credence Calls

Let's face it, credence spam calls can be stressful and confusing. You might be wondering, "Why me? Well, there’s exactly an answer to why they got your number. Here's a breakdown of the most common reasons you might be getting these calls. We presented in a way that empowers you to take control, so get ready.

Outstanding Debt

If you've missed payments on a credit card, medical bill, or another loan - then, expect credence caller ID to show up on your screen. Credence, as a debt collector, wants to recover the funds on behalf of the original creditor. They usually sent out emails, text messages or calls informing you about the debt.

So what are those debts? This can cover a wider range of outstanding balances than you might initially think. Here's a breakdown of some common scenarios that could lead to credence calls:

Missed Payments on Existing Accounts: This is the most frequent situation. If you've fallen behind on payments for credit cards, store accounts, auto loans, personal loans, or even student loans, the creditor might eventually sell the debt to Credence for collection.

Medical Bills: Unpaid medical bills are another common reason for Credence to contact you. If you haven't settled a hospital bill, doctor's visit, or other medical expense, it could be sent to collections and end up with Credence. Learn here how to delete medical collections from your report.

Closed Accounts: Even if you've closed an account (like a credit card), it doesn't necessarily mean outstanding balances disappear. If you had a remaining balance on a closed account that wasn't paid, Credence could be attempting to collect that debt.

Debt in Your Name from Others: In some rare cases, you might receive credence calls for debt that isn't yours. This could be due to mistaken identity or errors in how the debt was assigned. It's important to follow up and dispute the claim if this applies to you (we'll discuss how to do that later).

Old Debts You Thought Were Settled: Sometimes, debts you believe were settled can resurface. This could be due to communication errors or because the original creditor sold the debt after you thought it was resolved.

Remember: This list isn't a full-scale list. If you're unsure why Credence is contacting you, the best thing to do is to answer the call and ask for details about the debt. Don't be afraid to request a debt validation letter that specifies the amount owed, the original creditor, and your rights to dispute the claim.

Debt in Error

Another reason why you are getting those credence calls is because of collection mistakes. Not all systems are perfect, and it's not uncommon for debt collection to involve mistakes. You might be receiving credence calls for someone else's debt or for an account you've already settled. In the worst scenarios, you can be a victim of identity theft.

What Can I Do About It?

If you get notified about a debt that you think is in error, there are two things that you must do.

Review your credit report: Understanding your financial obligations is key. Obtain a free copy of your credit report from to see if any accounts have been sent to collections. This will help you identify the source of the debt and determine next steps.

Dispute the Debt: The Fair Debt Collection Practices Act (FDCPA) protects you from erroneous debt collection attempts. If you believe the debt is wrong, request a debt validation letter from Credence in writing. This letter should detail the amount owed, the creditor, and your rights to dispute the claim. If the information is inaccurate, you can submit a dispute with Credence and the original creditor within 30 days of receiving the validation letter.

Remember: This is your chance to clear up any confusion and potentially avoid owing money you don't actually owe.

By following these actionable tips, you can gain a clearer understanding of why you're receiving credence calls and take steps to address the situation effectively.


Beware of Credence Spam Calls: Protecting Yourself from Scammers

Another reason why credence keeps calling you can be a fraud attempt. According to the Federal Trade Commission (FTC), there were over 4.8 million reports of imposter scams and identity theft in 2020 alone, resulting in reported losses exceeding $3.3 billion. Phone calls were among the most common methods used by scammers to target individuals, with many posing as government officials, financial institutions, or legitimate businesses like debt collectors.

beware of credence spam calls

While Credence Resource Management is a legitimate debt collection agency, there's a growing concern in today's world: credence spam calls. These are deceptive phone calls where scammers impersonate debt collectors to try and steal your personal information or financial assets.

Here's how to identify and protect yourself from credence spam calls:

Threats and Urgency: Legitimate debt collectors won't pressure you into immediate payment or threaten legal action without due process.

Vague Information: Scammers often lack details about the alleged debt. If they can't provide the original creditor, specific amount owed, or account information, it's a red flag.

Request for Personal Information: Never give out your Social Security number, bank account details, or other sensitive information over the phone unless you're certain that you're speaking with a legitimate representative from Credence.

Unusual Payment Methods: Debt collectors typically accept payment by check, money order, or online through a secure portal. Be wary of requests for unusual payment methods like gift cards or wire transfers.

How to respond to fraud calls.

If you suspect a credence spam call, here's what to do:

Don't confirm personal information: Don't verify your name, address, or date of birth unless you're confident you're speaking with Credence.

Ask for verification: Request the caller's name, company, and phone number to call them back. Legitimate debt collectors will provide this information.

Report the call: If you believe you've been targeted by a scammer, report the incident to the Federal Trade Commission (FTC) at

Remember: You have the right to be protected from deceptive collection practices. By staying informed and following these tips, you can safeguard yourself from credence spam calls and avoid falling victim to financial scams.


What Should You Do If You Get a Call from Credence?

Now that you understand the reasons behind credence calls and how to identify potential scams. Let me share with you some actionable steps you can take if you receive a call from a Credence company.

Here's what to do if you receive a credence phone call:

Don't ignore the calls: Ignoring the calls won't make the problem go away. It's best to address the situation head-on.

Gather information: When you answer the call, ask the caller for their name, company, and the name of the creditor they are representing.

Verify the debt: Don't admit to owing the debt unless you are sure it's legitimate. Ask for a debt validation letter that details the amount owed and the original creditor. You have the right to request this information in writing under the Fair Debt Collection Practices Act (FDCPA).

Don't give out personal information: Verify the legitimacy of the speaker first before you give out ANY information. Better yet, go to the office or just transact via mail.

Create a payment plan (optional): If you do owe the debt, you may be able to negotiate a payment plan with Credence. This can help you avoid further collection actions and improve your credit score.

Dispute the debt (if applicable): If you believe the debt is incorrect, you can dispute it with Credence and the original creditor. You have the right to file a dispute in writing within 30 days of receiving a debt validation letter.

Report Credence for harassment: If Credence is harassing you or violating the FDCPA, you can report them to the Federal Trade Commission (FTC).

credence calls

Improve Your Credit Score: The Power of Addressing Credence Calls

Credence calls might be unpleasant, but don't ignore them! Dealing with legitimate debt from Credence can have a positive impact on your credit score. Here's how:

Payment History is Key: Your payment history makes up the biggest chunk (35%) of your credit score according to Experian. On-time payments to Credence can significantly improve this factor over time.

Debt-to-Ratio Matters: Another important factor in your credit score is your credit utilization ratio, which is the amount of credit you're using compared to your total credit limit. Paying off debt to Credence can lower this ratio and improve your score.

Collection Accounts Hurt: Collection accounts left unpaid can seriously damage your credit score. Resolving your debt with Credence can remove negative marks and boost your score.

Taking action on Credence calls demonstrates your commitment to responsible credit management, which is a positive signal to lenders. This can lead to better interest rates, lower insurance premiums, and easier loan approvals in the future.

Here are some resources to learn more about how debt management impacts credit scores:

What are Charter Communications Collections? Tips for Managing Debt by ASAP Credit Repair


Gain Peace of Mind: Knowledge is Power When Dealing with Credence Calls

Feeling stressed or confused by Credence calls is completely normal. But here's the good news: understanding your rights and how to handle these calls empowers you to take control of the situation.

By staying informed and familiarizing yourself with the Fair Debt Collection Practices Act (FDCPA), you'll know what Credence can and can't do when collecting a debt. The FTC website (Federal Trade Commission - Consumer Information provides a wealth of information on the FDCPA and your rights as a debtor.

Here are some ways knowing your rights can give you peace of mind:

  • Stop Credence Harassment: The FDCPA protects you from harassing or abusive collection practices. Knowing your rights empowers you to address any inappropriate behavior from Credence.
  • Dispute Errors with Confidence: If you believe the debt Credence is trying to collect is wrong, you can dispute it with them. Understanding the dispute process can help you approach this situation confidently.
  • Make Informed Decisions: Knowledge is key to making smart financial choices. By understanding your options when dealing with Credence, you can make informed decisions about how to proceed.

Remember, you're not alone in dealing with Credence calls. Equipping yourself with knowledge empowers you to overcome situations effectively and achieve financial peace of mind.

Additional Resources

Credence Resource Management Reviews: You can find online reviews of Credence Resource Management to learn more about other people's experiences with the company. However, keep in mind that online reviews can be biased.

What is Credence Resource Management? There are many resources available online that explain what Credence Resource Management is and how they collect debts.

Always bear in mind that you have rights when it comes to debt collection. Don't be afraid to ask questions and assert 


Conclusion: Taking Control of Credence Calls and Your Financial Future

Credence calls are something we often avoid. The unknown nature of the call and the potential for debt collection can leave you feeling anxious. The good news is by understanding credence calls, you can transform this anxiety into empowerment. You gain control of the situation and use it to your advantage. We hope that this guide has helped you with the knowledge to navigate credence calls, avoid scams, and potentially improve your financial standing.

If you're feeling overwhelmed by debt or unsure how to proceed, you don't have to go it alone.

This is where ASAP Credit Repair can help!

Our team of credit specialists is dedicated to assisting you in:

Understanding your credit report: We can help you obtain a free copy of your credit report and analyze it for inaccuracies or errors that might be affecting your score.

Disputing invalid debt: If you believe Credence (or any other collector) is pursuing a debt you don't owe, we can guide you through the dispute process to ensure your credit report reflects the truth.

Developing a debt repayment plan: If you have legitimate debt, we can help you create a realistic and manageable plan to pay it down strategically.

Don't let Credence calls hold you back! At ASAP Credit Repair, we're here to support you on your journey towards financial wellness. Contact us today for a consultation and let's discuss how we can help you achieve your financial goals.


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