If you’ve found Credence Resource Management on your credit report, you’re probably wondering what it means—and how to deal with it. Let’s break down who they are, how they affect your credit, and what steps you can take to protect your score.
Who Is Credence Resource Management?
Credence Resource Management is a debt collection agency based in Dallas, Texas. They collect unpaid debts for other businesses, which can include credit card companies, healthcare providers, utility companies, and telecommunications brands like AT&T or DirecTV.
If they’ve shown up on your credit report, it means a debt tied to your name was sent to them for collection. You might see them listed as “Credence RM,” “Credence Collections,” or other variations of their name.
Is Credence Resource Management Legit?
Yes, Credence Resource Management is a legitimate debt collector. They’ve been in business for years and follow standard industry practices. That said, even legitimate debt collectors can make mistakes. If they contact you or appear on your credit report, always double-check that the debt belongs to you before making any payments.
Who Does Credence Resource Management Collect For?
Credence Resource Management works with several industries, including:
- Credit card companies
- Healthcare providers
- Telecommunications companies like AT&T and DirecTV
- Utility providers
It’s not unusual for companies in these industries to hire third-party collectors like Credence when an account becomes past due.
How to Remove Credence Resource Management From Your Credit Report
Collections can damage your credit score for up to seven years, but you do have options to remove them.
- Dispute Any Errors: If the account is inaccurate, outdated, or doesn’t belong to you, file a dispute with the credit bureaus. They are required to investigate and remove incorrect information.
- Request Debt Validation: You have the right to ask for proof that the debt is yours and that the amount is correct. Send Credence Resource Management a debt validation letter. They must respond within 30 days.
- Negotiate a Pay-for-Delete Agreement: If the debt is accurate, you can offer to pay it in exchange for having the account removed from your credit report. Not all collectors agree to this, but it’s worth asking.
- Get Professional Help: Dealing with collections can be stressful. Many people turn to credit repair services to handle disputes and negotiations for them.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Pay Credence Resource Management?
It depends on your situation:
- If the debt is accurate and recent: Paying it could help you avoid further damage to your credit or legal action.
- If the debt is inaccurate or too old: You may be better off disputing it instead of paying right away.
Always ask for debt validation before making any payments. This ensures the debt is legitimate and still within the statute of limitations for collections in your state.
Can Credence Resource Management Sue You or Garnish Your Wages?
Yes, they have the legal right to sue you to collect a debt. If they win in court, they could:
- Garnish your wages
- Place a lien on your property
- Freeze funds in your bank account
However, lawsuits are usually a last resort, as they take time and money. It’s still smart to take action early to avoid this risk.
Complaints Against Credence Resource Management
Like most collection agencies, Credence Resource Management has complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Inaccurate reporting on credit reports
- Harassment or aggressive collection tactics
- Failure to provide proof of the debt
If you believe they are violating your rights, you can file a complaint with the CFPB or your state attorney general.
Your Rights Under Federal Law
You have protections under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws say:
- Debt collectors cannot harass, threaten, or lie to you
- You can request written proof of the debt
- They must accurately report information to the credit bureaus
- They cannot threaten arrest or legal action they don’t intend to pursue
If they break these rules, you can take legal action or report them to the authorities.
How to Contact Credence Resource Management
Here’s their contact information if you need to reach them:
Address:
Credence Resource Management
17000 Dallas Parkway, Suite 204
Dallas, TX 75248
Phone Numbers:
(855) 880-4791
(855) 880-4792
Before you call, make sure you’re prepared with the right questions and consider sending any communication in writing for your records.
Want Credence Resource Management Off Your Credit Report?
If dealing with collections feels overwhelming, you don’t have to handle it alone. Credit Saint helps people dispute negative marks on their credit reports—including collection accounts like Credence Resource Management.
They’ve been helping clients improve their credit for over 15 years and offer a 90-day money-back guarantee if no questionable negative items are removed within that timeframe. You must meet all their terms, including staying active, submitting your ID on time, making payments, and avoiding new negative accounts.
If you’re ready to clean up your credit, visit their website or call (855) 281-1510 for details.

Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.