Credence Resource Management: Who They Are and How to Dispute a Credence Collection

Credence Resource Management is a real collection agency based in the Dallas area of Texas. Companies hire it to collect unpaid bills for them, and in SmartDispute’s data every Credence collection was a phone, internet, or cable bill, most often from AT&T or T-Mobile.

If Credence or “CREDENCE RM” is on your credit report, it’s most likely collecting a final bill from a wireless or cable account you closed. This guide covers who Credence is, who it collects for, how its accounts appear on each credit report, the problems worth checking, and how to dispute a Credence collection that’s wrong.

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What Is Credence Resource Management?

Credence Resource Management, LLC is an accounts receivable management firm with its head office in Richardson, Texas, near Dallas. It says its principals have worked in collections since 1988 and that it specializes in telecommunications, utility, and healthcare accounts (Credence).

Credence is an agency, not a debt buyer:

• The original company, such as AT&T or T-Mobile, still owns the debt. Credence collects on its behalf.
• It can settle only within the limits the company allows.
• The company can take the account back and send it to a different agency, which can create a second collection account for the same bill.

Our article on the most common debt collectors explains how agencies and debt buyers differ.

Is Credence Resource Management Legit?

Yes. Credence is a licensed collection agency, and a Credence collection on your credit report is a real account reported by a real furnisher. That doesn’t mean every detail is right, or that every call or text using its name is genuine.

• Check your credit reports. A real Credence collection normally appears there with an original creditor you’ll recognize, most often AT&T or T-Mobile.
• Expect a validation notice. A collector must send you validation information about the debt, either in its first contact or within five days.
• Call the company you owe directly if you’re unsure. Because AT&T, T-Mobile, or the other company still owns the debt, it can confirm whether it sent your account to Credence.

Credence has a recent regulatory action worth knowing. In March 2026, it settled with the Colorado Attorney General over allegations that it sent letters carrying a client’s name instead of making clear they came from a debt collector, and that it called consumers more often than state law allows. It agreed to pay $43,500 and stop the alleged practices (Colorado Attorney General).

If someone claiming to be with Credence threatens arrest or demands payment by gift card or wire, treat it as a scam. Our guide to calls about being served papers covers the common scripts.

Who Does Credence Collect For?

In SmartDispute’s data, Credence held 23 collections, all from phone, internet, and cable companies:

Credence held more AT&T and T-Mobile collections than any other collector in our data. AT&T also used I.C. System, and T-Mobile’s accounts were spread across more than ten collectors, including Transworld Systems. If you see two agencies on your report for the same bill, only one should show a balance.

What SmartDispute’s Data Shows About Credence

SmartDispute looked at the first credit report of 591 members, pulled before any disputes. For Credence:

• 21 members, 4% of everyone in the data, had a Credence collection. Two had more than one.
• The median balance was $991. 39% were under $500, and 3 were $2,500 or more.
• Only 2 of its 23 collections appeared on all three credit reports, compared with 55% of collections overall. Most appeared at TransUnion and Experian only.
• Most were recent. 15 of the 23 were placed with Credence in 2025 or 2026.

How Does Credence Appear on Your Credit Report?

Each bureau shows Credence a little differently:

A few things that confuse people:

• “CREDENCE RM” at TransUnion. The short name is Credence Resource Management.
• Missing at Equifax. In our data, Credence collections almost never appeared on Equifax reports, and the two that did were Cox Communications accounts, not AT&T or T-Mobile. Collectors don’t have to report to all three bureaus, so a Credence collection on one report and not another isn’t an error by itself.
• “Open” and “closed.” Experian lists collections as closed while TransUnion and Equifax usually list them as open. That’s a display difference, not an error.
• Date opened. This is the date the account was placed with Credence, not the date you opened your phone or cable service.

What Credence Reporting Problems Should You Check For?

Compare each Credence account with your records, with the original company’s final bill, and across the bureaus that report it:

• The amount. Final wireless and cable bills often include device balances, equipment charges, and early termination fees. Check the balance against the final bill, any device or equipment you returned, and any credits you were promised when you switched carriers.
• Two collections for one debt. If you also see another agency for the same bill, only one should show a balance.
• Paid but still showing a balance. If you paid Credence or the original company, the collection should show $0. Include your proof of payment in the dispute.
• Delinquency date. The date of first delinquency should match when you first missed a payment to the original company, not the date Credence received the account.
• Too old. A collection can be reported for seven years, plus 180 days, from the original delinquency.
• Not yours. Identity theft, a mixed credit file, or a line opened in your name without permission.

How Do You Dispute a Credence Collection?

1. Request validation. If you’ve just been contacted, you have about 30 days from receiving the validation notice to dispute the debt with Credence in writing. The collector must stop collecting until it responds.
2. Dispute with each bureau reporting the error. Name the specific problem, such as a wrong balance or a duplicate collection, and include copies of your final bill, return receipts, or other proof.
3. Dispute directly with Credence by mail. Credence lists 1111 Digital Drive, Suite 101, Richardson, TX 75081 for written disputes. The credit reports show other Dallas addresses: 4222 Trinity Mills, Suite 260, at TransUnion (Equifax lists the same Trinity Mills address) and 17000 Dallas Parkway, Suite 20, at Experian. Use the address shown for Credence on the report you’re disputing, or the Richardson dispute address, and keep proof of what you sent.
4. Contact the original creditor. Because the phone or cable company still owns the debt, it can correct the balance and tell Credence to update the account.
5. Follow up. If the account comes back “verified” without fixing the problem, send a second round with any new evidence 35 days after you mailed the first.

Our guide to disputing a collection account covers each step and what to include in each letter.

Does Credence Sue?

Credence doesn’t publish a policy on lawsuits. With an agency, the decision to sue belongs to the company that owns the debt, which can take the account back and hire a law firm. If you’re ever served, respond by the deadline in the papers. Our state-by-state statute of limitations guide explains what to do if you’ve been sued.

Should You Pay Credence?

First, confirm the debt is yours and the amount is right. Then decide:

• Paying should update the collection to a $0 balance. Credence doesn’t publish a policy of deleting accounts once they’re paid.
• If you want the collection removed, ask for deletion as part of the payment and get the agreement in writing before you pay. Because Credence collects for the original company, that company’s approval may be needed. Our pay for delete guide covers what the agreement should say.
• Pay through the official channels below or on your letter, and keep proof of every payment.

Credence Resource Management Contact Information

These are the details on Credence’s contact page as of October 2026:

Disputes are best sent in writing, which creates a record of what you asked and when.

Frequently Asked Questions

What is Credence Resource Management?

A collection agency with its head office in Richardson, Texas, near Dallas. It collects unpaid bills for other companies, mostly phone, cable, utility, and healthcare providers, and doesn’t own the debts.

Who does Credence Resource Management collect for?

Many companies. In our data, all of its collections were for phone, internet, and cable providers, led by AT&T and T-Mobile.

Why is Credence calling me?

Usually because a phone or cable company placed an unpaid final bill with it. Ask for validation if you don’t recognize the debt.

What is Credence Resource Management’s phone number?

1-855-880-4791 for general questions and payments, and 1-855-880-4792 for complaints and disputes.

Why is Credence on only some of my credit reports?

Collectors don’t have to report to all three bureaus. In our data, Credence collections appeared at TransUnion and Experian but rarely at Equifax.

Will Credence remove a collection if I dispute it?

Only if the information can’t be verified or is shown to be wrong. A dispute that names a specific error and includes proof has the best chance.

What’s the Next Step?

Pull your three credit reports and find every Credence account: the original creditor, the balance, the dates, and the status at each bureau. Then check for any other collection of the same bill, and compare the balance with the original company’s final statement. Anything that’s wrong, or that doesn’t match across reports, is worth disputing.

SmartDispute lays out every collection from all three bureaus side by side, flags the ones with problems, and drafts suggested disputes for you to review, change, and mail yourself. See how SmartDispute works.

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