Company Facts

Credence Resource Management, LLC operates from a corporate office at 1111 Digital Drive, Suite 101, Richardson, Texas 75081, with written correspondence directed to P.O. Box 2300, Southgate, Michigan 48195-4300. Older account letters and directory listings sometimes show a Dallas address on Trinity Mills Road, which was a previous location, so both circulate.

There are two consumer phone numbers and using the right one saves time. Customer care and pay by phone is 1-855-880-4791. Complaints and disputes is a separate line at 1-855-880-4792. Email is similarly segmented, with customerservice@credencerm.com for general questions, disputes@credencerm.com for disputing a balance, and complaints@credencerm.com for conduct issues. Consumer hours run Monday through Friday from 8 a.m. to 9 p.m. Eastern and Saturday from 11 a.m. to 7 p.m. Eastern. Payments and account access run through credencerm.com.

The company's registration history and its own marketing don't quite line up on age. State records date the LLC to a 2013 Nevada formation, while company materials reference operating since 1988, which most likely reflects predecessor operations or leadership tenure rather than the current entity. Worth knowing if the founding date matters for your purposes.

Licensing is published on the company site and covers, among others, California license 10735-99, Connecticut CCA-1134094, Maryland 1134094, Nevada CAD11478, two New York City Department of Consumer Affairs licenses, a Buffalo license, and two North Carolina licenses. Beyond Texas, industry directories list additional US offices and offshore operations in India.

What They Collect

The portfolio is concentrated rather than general. Credence works telecommunications and utility accounts, healthcare receivables, and to a lesser degree insurance, retail, and financial services balances. Telecom is the signature vertical, which is why so many people encounter the name attached to a wireless account closed years ago or a cable bill from an address they moved out of.

Credence is an agency, not a debt buyer. It doesn't purchase portfolios and doesn't own the balances it pursues, which puts it in the same structural category as most contingency agencies and a different one from companies like LVNV Funding or Jefferson Capital. The practical consequence is that settlement authority comes from the client, so the collector on the phone works within limits someone else set. Our explainer on what a third party collection agency is covers why that changes the conversation.

First Party and Third Party Work

Credence runs both stages, and understanding which one you're in explains a lot about the tone of the contact.

First party collections happen early, before an account is formally charged off, with the agency working in the creditor's name. A consumer in this stage may not realize they're dealing with an outside vendor at all, because the letterhead and the greeting reference the phone company or the hospital. These accounts are usually fresher, the records are complete, and there's often meaningful flexibility on payment arrangements because the creditor still wants the customer.

Third party collections happen after charge off, with the agency identifying itself as a debt collector and the account reportable to the credit bureaus. Rights under the Fair Debt Collection Practices Act attach differently at this stage, and the validation notice requirement applies.

Agencies that run both, including TrueAccord and others in the consumer finance space, appeal to large creditors who want one vendor across the lifecycle. For consumers, the practical takeaway is to determine which stage an account is in, because it determines both your rights and your leverage.

Complaint Record and Litigation

Any complete profile has to address this, and the honest framing is about patterns rather than raw counts.

Credence appears in the CFPB's public consumer complaint database, which anyone can search by company and product. Complaint volume scales with placement volume, so a large agency will always show more entries than a small one, and the useful signal is the theme rather than the number. For agencies working aged telecom paper, the dominant theme across the industry is attempts to collect a debt the consumer says isn't owed, which reflects both genuine misidentification and the thin documentation that often accompanies old telecom accounts.

The company has also been named in consumer class actions alleging Fair Debt Collection Practices Act violations and unwanted automated calls under the Telephone Consumer Protection Act. Litigation of that kind is common across the collection industry and being named is not a finding of wrongdoing, but the subject matter is a fair guide to what to document if something goes wrong: keep call logs, save every letter and email, and note dates and times.

What to Do If Credence Contacts You

Verify before you pay, and use the dispute channel rather than the payment channel.

The first written communication must include validation information covering the amount claimed, the creditor the debt is owed to, an itemization of the balance, and notice of the right to dispute. Disputing in writing within 30 days suspends collection until verification is mailed. Credence publishes a dedicated dispute email and a separate dispute phone line, and written disputes go to the Richardson corporate address. Our guide to disputing a debt collection claim covers how to make a dispute specific enough to force a real investigation instead of a form response.

For telecom and utility accounts specifically, ask for details that old portfolios frequently can't produce: the service address the account was billed to, the account number with the original carrier, the date of last payment, the final bill with an itemization, and any early termination fee or equipment charge broken out separately. Balances tied to unreturned equipment and prorated final months are where errors concentrate. So are accounts opened fraudulently in someone else's name, which is a persistent problem in wireless.

Healthcare balances deserve their own scrutiny. Request an itemized bill rather than a summary, confirm insurance was billed and adjudicated correctly, and check whether the provider's financial assistance policy applied. Going back to the provider's billing office is often more productive than negotiating with the agency.

On any phone contact, keep it short and get everything in writing, an approach we laid out in what to say to debt collectors. Before paying anything on an older account, check your state's statute of limitations, since a payment or written acknowledgment can restart the clock in many states.

The CFPB's debt collection resource center explains federal rights and accepts complaints, and state attorney general offices handle state law issues.

How Credence Compares

Credence is built for volume in verticals where accounts are numerous, individually modest, and fairly uniform. A wireless carrier or a utility placing large batches of final bills wants throughput, automated contact, and cost per account driven down, and that's a legitimate business optimized for a real problem.

Rental and property management collections work differently, which is why they tend to sit with specialists. A move out balance turns on a specific lease, an itemized ledger, a security deposit disposition, and dated inspection photographs, and resolving a dispute usually means someone pulling the file and answering a question about one line item. Advanced Collection Bureau works residential, apartment, student housing, and medical placements on contingency out of Rockledge, Florida, reports to the credit bureaus twice monthly, and can be reached at 321-633-4999 or through its residential services page.