Credence Resource Management contacts consumers about AT&T, T-Mobile, DirecTV, and Xfinity debts they often don’t recognize, and according to BBB records, the agency has accumulated nearly 2,000 complaints in three years, with consumers allegedly describing collection on debts already paid, re-aged account dates, and credit entries placed without any prior written notice. If Credence has been calling you, call +1-844-638-1122 for a free case review.
Key Takeaways
- Credence Resource Management LLC is a debt collection agency headquartered in Dallas, Texas, operating nationally for major telecom clients including AT&T, T-Mobile, DirecTV, and Xfinity.
- According to BBB records, the agency has accumulated nearly 2,000 complaints in three years. Consumers have allegedly described collection on debts they don’t recognize, re-aged account dates, and credit entries placed without prior written notice.
- Credence has been named in multiple federal class actions, including claims of FDCPA violations for collecting time-barred debt, TCPA violations for autodialed robocalls, and unlawful call recording without consent.
- BBB complaints document Credence re-aging decade-old debts to 2023, reporting to credit bureaus before sending a validation notice, and refusing written settlement confirmation before payment.
- Successful FDCPA claims can recover up to $1,000 in statutory damages. TCPA violations can recover $500 to $1,500 per call. Attorney fees are paid by the collector.
- The Wood Firm PLLC handles Credence cases on contingency. If they violated federal law, they pay our fees.
Free Case Review: +1-844-638-1122
Who Is Credence Resource Management
Credence Resource Management LLC is a third-party debt collection agency based in Dallas, Texas. Founded in 2013, the company collects on behalf of major telecommunications providers including AT&T, AT&T U-verse, AT&T Mobility, T-Mobile, DirecTV, Xfinity Mobile, and Cox Communications.
Their client base also extends into healthcare, insurance, and utility accounts. Credence operates under a hybrid model: they sometimes act as a first-party servicer on behalf of the original creditor, and sometimes purchase charged-off debt outright as a third-party buyer.
That dual role matters because it affects what documentation Credence must produce to prove you owe them anything. When acting as a first-party agent, Credence may argue it falls outside the FDCPA’s definition of a debt collector and therefore owes no validation notice.
In our practice, we examine the assignment agreement on every Credence file to determine which legal framework applies, because that determination controls what rights the consumer has at each stage of collection.
- Also Known As: Credence RM; CRM; Credence Resource Management LLC
- Address: 17000 Dallas Pkwy STE 204, Dallas, TX 75248
- Phone: 888-459-2430 | (888) 459-2430 | +1-888-459-2430 | 8884592430
- Also reported: 703-992-0093 | (703) 992-0093 | +1-703-992-0093
- Website: credencerm.com
- BBB Profile: Credence Resource Management BBB listing
Phone Numbers Credence Resource Management Uses
If any number below appeared on your caller ID, Credence Resource Management is the likely source. They rotate across multiple outbound lines, and consumers report receiving calls from numbers they do not recognize as belonging to a collection agency.
855-876-5347 | (855) 876-5347 | +1-855-876-5347 | 8558765347
855-880-4795 | (855) 880-4795 | +1-855-880-4795 | 8558804795
855-732-2332 | (855) 732-2332 | +1-855-732-2332 | 8557322332
855-876-5380 | (855) 876-5380 | +1-855-876-5380 | 8558765380
855-847-2625 | (855) 847-2625 | +1-855-847-2625 | 8558472625
410-566-8441 | (410) 566-8441 | +1-410-566-8441 | 4105668441
866-235-4767 | (866) 235-4767 | +1-866-235-4767 | 8662354767
866-268-5194 | (866) 268-5194 | +1-866-268-5194 | 8662685194
844-687-5885 | (844) 687-5885 | +1-844-687-5885 | 8446875885
844-687-4536 | (844) 687-4536 | +1-844-687-4536 | 8446874536
844-687-7010 | (844) 687-7010 | +1-844-687-7010 | 8446877010
833-551-8060 | (833) 551-8060 | +1-833-551-8060 | 8335518060
833-584-1319 | (833) 584-1319 | +1-833-584-1319 | 8335841319
This list is not exhaustive. Credence rotates outbound numbers and may call from lines not documented here. Log every call with the date, time, and number displayed. That call log is essential evidence in both FDCPA and TCPA cases involving Credence.
Why Is Credence Resource Management Calling You
Credence Resource Management is calling you because AT&T, T-Mobile, DirecTV, Xfinity, or another telecom provider assigned or sold your account to them for collection. The debt may be valid, disputed, already paid, or it may not belong to you at all.
BBB complaint records from 2026 show a pattern specific to Credence: the agency contacts consumers about AT&T and T-Mobile balances for accounts consumers dispute ever opening, for services at addresses they never lived at, and for debts already paid directly to the original provider.
In one documented BBB complaint, Credence reported a $3,085 AT&T Mobility collection to Experian without the consumer receiving any initial contact letter. That sequence, reporting before notifying, may violate both the FDCPA and Regulation F.
Credence also contacts consumers about accounts belonging to family members with similar names. A 2026 BBB complaint documents Credence placing an AT&T U-verse collection on a consumer’s credit report for a debt that belonged to his deceased father. AT&T confirmed that on a three-way call. Credence denied the dispute twice before the complaint was escalated. If Credence is calling about a debt that traces to a family member, an identity theft incident, or a service address you never used, that distinction controls which federal statute applies and what remedies are available.
Is Credence Resource Management a Scam
Credence Resource Management is a real, BBB-accredited debt collection agency, not a scam operation. The company has operated since 2013 and holds a physical office in Dallas, Texas.
Accredited and legitimate, however, does not mean every tactic they use is lawful. Their BBB rating is B, and their customer review average is 1.12 out of 5 stars across 106 reviews.
The documented complaint record is specific. Consumers have alleged Credence re-aged a debt originally from 2017, listing the account start date as 2023 on credit reports.
That is a direct violation of FCRA Section 623(a)(5)(A) if the original delinquency date was falsified. A 2026 BBB review documents a consumer alleging Credence placed a collection for equipment returned eight years prior, claiming it was never returned.
Another review documents Credence sending a certified letter to an address listed as vacant on credit reporting agency records. In our practice, the re-aged date, the returned-equipment dispute, and the undeliverable address are exactly the documentation gaps we look for when evaluating whether a Credence account is legally enforceable.
Scammers do impersonate legitimate debt collectors. If the caller cannot provide a written validation notice, refuses to identify the original creditor by name, or demands payment via wire transfer or prepaid card, treat that as a fraud warning. Credence Resource Management uses the numbers listed in this article and communicates by mail from their Dallas address.
Has Credence Resource Management Been Sued Under Federal Law
Yes. Credence Resource Management has been named as a defendant in multiple federal class actions and individual lawsuits. The following cases are documented in public court records and class action archives:
- Parker v. Credence Resource Management: proposed class action alleging Credence sent deceptive collection notices attempting to collect time-barred AT&T debts past their statute of limitations.
- Cadiz v. Credence Resource Management, No. 1:2017cv01949 (N.D. Ill.): alleged Credence threatened legal action without intent to sue, a direct FDCPA violation.
- Koch v. Credence Resource Management and Annette G. v. Credence Resource Management: TCPA class actions alleging Credence bombarded consumers with autodialed robocalls, including calls to people who had explicitly demanded they stop and to third parties with no account relationship.
- Bullen v. Credence Resource Management and Morris v. Credence Resource Management: class actions alleging Credence recorded outbound collection calls to cell phones without prior notice or consent, violating consumers’ privacy rights.
- Spencer v. Credence Resource Management: alleged Credence charged an unauthorized $5 “card fee” when consumers paid by debit or credit card over the phone, an amount not permitted by the underlying debt agreement.
- Betz v. Credence Resource Management: additional FDCPA litigation highlighting consumer protection violations in Credence’s collection practices.
- Manthei v. Credence Resource Management, Bridges v. Credence Resource Management, and Perez v. Credence Resource Management: early individual federal filings in California district courts alleging harassment, improper debt disclosure, and general FDCPA violations.
The Parker and Cadiz cases are particularly relevant to consumers receiving Credence calls about old AT&T or telecom debts. When we open a Credence file involving a telecom account, we pull the original charge-off date and compare it against the statute of limitations for the consumer’s state.
Collecting on a time-barred debt without disclosing that the debt is past the limitations period repeats the conduct at the center of those federal filings.
For context on how statute of limitations rules apply to your specific situation, see our guide to understanding the statute of limitations on debt, and if you are in Georgia, our resource on the debt statute of limitations in Georgia covers the state-specific rules that apply to Credence accounts there.
Is Credence Resource Management Banned by the FTC
No. Credence Resource Management has not been banned by the FTC or subjected to a federal enforcement action from the Commission. The agency remains licensed and operational. The absence of FTC action does not reflect a clean compliance record.
Credence’s documented litigation history includes TCPA class actions, FDCPA violations for time-barred debt collection, unauthorized payment fees, and unlawful call recording.
None of those cases triggered federal agency action, but each gives individual consumers a private right of action in federal court. The FDCPA allows consumers to recover up to $1,000 per violation plus attorney fees paid by the collector. TCPA violations carry $500 to $1,500 per call.
Those remedies exist regardless of whether any agency has acted against Credence. The Texas Attorney General accepts complaints against debt collectors operating in Texas and may investigate patterns that fall below the federal enforcement threshold.
Can Credence Resource Management Report to Your Credit
Yes, Credence Resource Management can report unpaid accounts to Equifax, Experian, and TransUnion, but any reporting must comply with the FCRA. The complaint record shows Credence does not always follow that sequence.
A 2026 BBB complaint documents Credence credit reporting an AT&T Mobility account to Experian without the consumer receiving an initial collection notice first. Another complaint documents Credence reporting a Xfinity Mobile account without ever contacting the consumer by phone or mail.
Re-aging is a separate documented problem. A 2026 complaint describes Credence listing an account originally from 2017 with a start date of 2023 on the consumer’s credit report. Re-aging a debt to make it appear more recent than its actual delinquency date extends the time it stays on a credit report and violates FCRA Section 623(a)(5)(A).
If Credence appears on your credit report, compare the date of first delinquency, the balance, and the original creditor name against your own records. Errors in any of those fields, especially a re-aged date, may support both an FDCPA and FCRA claim.
Consumers dealing with similar credit reporting issues from other collectors have found the same analysis useful when evaluating Mercantile Adjustment Bureau and ATG Credit accounts, where re-aging and premature reporting follow the same pattern.
What to Watch for When Credence Offers a Settlement
BBB complaints document a specific Credence settlement tactic: offering a reduced payoff amount verbally, then sending a letter for the full original balance. A 2026 BBB complaint details a consumer who negotiated a $1,674.89 settlement on a $2,093.61 T-Mobile account, received a verbal confirmation from a Credence supervisor, then received a payoff letter for the full $2,093.61. Credence sent the correct settlement letter only after a BBB complaint was filed. Never pay Credence based on a verbal settlement offer.
A second documented tactic: refusing to provide written settlement confirmation before payment. Consumers report Credence offering to settle a debt but declining to send written terms, stating that requesting documentation resets the offer to a higher amount.
That pressure tactic creates a situation where the consumer pays and has no proof the balance is satisfied. Before paying anything, get written confirmation specifying the exact settlement amount, that payment satisfies the debt in full, and a timeline for credit bureau update.
Review our guide on what to say and not say to a collection agency before any conversation with Credence about settlement terms. And as a general rule, review the number one rule when a debt collector calls you before engaging at all.
How The Wood Firm PLLC Handles Credence Resource Management Cases
When The Wood Firm PLLC opens a Credence Resource Management file, we start by determining whether Credence acted as a first-party servicer or a third-party buyer, because that answer controls which obligations applied at every stage of collection.
We then pull the original charge-off date and compare it against the applicable statute of limitations, because Parker v. Credence and Cadiz v. Credence document exactly what happens when Credence collects on time-barred telecom debt without disclosure.
We also request the full call log and examine whether Credence’s autodialer contacted your cell phone after you revoked consent, and we review every validation notice for re-aged dates or overshadowing language that could undermine your 30-day dispute right.
The Wood Firm PLLC has never represented a creditor or collector. Our practice is consumer-only, and we hold federal court admissions across nine districts including all courts of AR, CO, NM, and TX.
There are no upfront fees. If Credence Resource Management violated the FDCPA, FCRA, or TCPA, they pay the attorney fees. After you call, we review the facts, explain which violations apply to your situation, and give you an honest assessment of your options. Reach us at +1-844-638-1122.
If Credence Resource Management is collecting on a debt you don’t recognize, reporting to your credit without prior notice, or refusing to provide written settlement terms, visit our contact page to start a free case review. The Wood Firm PLLC handles Credence cases on contingency. If they violated federal law, they pay our fees.
Credence Resource Management is one of several large telecom-focused collectors with documented patterns of improper validation and re-aging. Consumers dealing with similar conduct from Receivables Management Partners, Constar Financial Services, Advance Portfolio Group, or Travelers Management Group face the same FDCPA framework. For a broader overview of what constitutes collection agency harassment under federal law, and to understand how American Debt Management and similar agencies operate by comparison, those resources provide useful context. Consumers dealing with Alliant Capital Management will find the same validation and time-barred debt analysis applies.
Frequently Asked Questions
Who does Credence Resource Management collect for
Credence Resource Management collects on behalf of AT&T, AT&T Mobility, AT&T U-verse, T-Mobile, DirecTV, Xfinity Mobile, and Cox Communications. Their client base also includes healthcare and utility providers. They act as both a first-party servicer and a third-party debt buyer depending on the account.
Why does Credence keep calling you
Credence is calling you because a telecom provider or other creditor assigned your account to them for collection. The debt may be valid, disputed, already paid, time-barred, or it may belong to someone else entirely. Always request written validation before paying or discussing the account.
Is Credence Resource Management legitimate
Yes, Credence Resource Management is a real, BBB-accredited agency based in Dallas, Texas. Legitimate does not mean every tactic is lawful. The agency holds a 1.12 out of 5 BBB customer review rating and has been named in multiple federal class actions for FDCPA and TCPA violations.
Can Credence Resource Management sue you
Yes, Credence can file suit if a valid debt exists and the statute of limitations has not expired. If the debt is time-barred, they cannot sue but may still attempt to collect. Threatening a lawsuit they have no intent to file is itself an FDCPA violation, as documented in Cadiz v. Credence.
Does Credence Resource Management pay for delete
Credence does not formally offer pay-for-delete in writing, but they do offer settlement deals at reduced balances. Any settlement agreement must be in writing before you pay. Consumers who paid Credence verbally without written confirmation have reported continued collection activity afterward.
What happens if Credence re-aged your debt
Re-aging a debt to make it appear more recent than the original delinquency date violates FCRA Section 623(a)(5)(A). If Credence lists a 2017 debt as starting in 2023, that entry may be legally challengeable. Compare the date on your credit report against the original creditor’s records and document the discrepancy before disputing.
Can Credence report to your credit without contacting you first
Under Regulation F, a collector may report to credit bureaus but must send a validation notice within five days of first contact. If Credence reported to your credit bureau before sending any written notice, that sequence may violate both the FDCPA and Regulation F. Document when the entry appeared versus when you received any letter from Credence.
What should you do if Credence refuses to validate the debt
Send a written debt validation request by certified mail within 30 days of first contact. If Credence continues collecting after receiving that request without providing proper validation, each subsequent collection act may constitute a standalone FDCPA violation. Keep the certified mail receipt as proof of delivery.
Your Next Step If Credence Resource Management Has Contacted You
Credence Resource Management’s complaint record is specific: re-aged telecom debts, credit entries placed before written notice, time-barred collection on AT&T accounts, and settlement terms offered verbally and then denied. Each of those patterns corresponds to a documented federal violation. The Wood Firm PLLC reviews Credence cases at no cost. If they violated the FDCPA, FCRA, or TCPA, they pay the attorney fees. Call +1-844-638-1122 to start that review today.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
