Debt Relief & Housing Counseling You Can Rely On

Trusted nonprofit housing and debt relief counseling since 1974. Our certified counselors listen, explain your options, and help you create a personalized plan to move forward with confidence.

How We Help
• Avoid foreclosure and protect your home
• Reduce debt and stop collection calls
• Explore rental and home-buying options
• Stop unwanted collection calls
• Build or improve your credit   

‍Start your counseling session today.

You Don’t Have to Navigate Debt or Housing Challenges Alone

Whether you’re buying a home, managing debt, or rebuilding credit, our trusted counselors will help you find the best path forward.

Become Mortgage Ready and Confidently Buy Your Home

Buying a home is a major milestone. Our HUD-certified counselors help you feel confident every step of the way. Understanding mortgage options, improving credit, and preparing for long-term homeownership success.

Schedule your appointment or call to start your home buyer counseling.

Schedule Your Appointment
800-294-3896


Learn More About Becoming Mortgage Ready ►
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Learn more about becoming mortgage ready ►

Protect Your Home and Find Relief From Foreclosure Stress

If you’re worried about missed payments or facing foreclosure, our HUD-certified counselors will step in to help you navigate lender options, explore repayment solutions, and regain control of your home.

‍Schedule your appointment or call to start your foreclosure counseling.

Schedule Your Appointment
800-294-3896


Learn More About Foreclosure Prevention ►
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Learn more about foreclosure prevention ►

Say Goodbye to Debt and Hello to a Fresh Start

Whether it’s credit card debt, personal loans, or student loans, our certified nonprofit counselors help you build a personalized debt management plan to reduce high interest rates, lower monthly payments, and become debt-free faster.

‍Schedule your appointment or call to start your debt relief counseling.

Schedule Your Appointment
800-431-8157


Learn More About Debt Relief ►
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Learn more about debt relief ►

Understand Reverse Mortgages Before You Begin the Process

Our HUD-certified counselors help you understand reverse mortgages, review eligibility, and decide if it fits your goals while teaching you how to spot and avoid scams or predatory practices.

‍Schedule your appointment to start your reverse mortgage counseling.

Schedule Your Appointment
(HECM)Schedule Your Appointment
(NON-HECM)


Learn More About Reverse Mortgage ►
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Learn more about reverse mortgage ►

Guidance for Renters: Readiness and Recovery Assistance

Rent4Success helps you budget, manage debt, and strengthen your debt-to-income ratio so you can qualify for housing. Rent4Recovery offers personalized counseling for renters experiencing financial hardship - providing you tools to restore stability and protect your home.

‍Schedule your appointment to start your rental counseling.

Schedule Your Appointment
(Rent4Success)
Schedule Your Appointment
(Rent4Recovery)


Learn More About Rental Readiness ►
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Learn more about renter education ►

Build Your Credit and Open the Doors to New Opportunities

Build your credit confidently with certified counselors who guide you through understanding your credit score, managing credit card debt, and improving your overall credit report. Strengthen your credit health so you can qualify for better loan options and reduce the amount you pay in interest over time.

Schedule your appointment or call to start your credit counseling.

Schedule Your Appointment
951-781-0114


Learn More About Rental Readiness ►
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Learn more about building credit ►

Our Network of National and Community Partners

We’ve highlighted just a few of our partners below. Tap any logo to learn more, or click the button below to view the full list of all our partners.
Become a Partner

Debt Relief and Housing Stability in 3 Easy Steps

↓ Tap or hover to see how your journey to financial freedom can be achieved in three easy steps.

1

Schedule Your
Free Session

We’ll sit down together and talk through where you are today and what’s been on your mind, no pressure, just a chance to share your goals and challenges.
2

Get Your
Personalized Plan

We’ll turn what we learned in your session into a simple, personalized plan that fits your life, so you know exactly what steps to take next and feel confident moving forward.
3

Reach
Your Goals

This is where it all comes together, you’ll put your plan into action, see progress, and take steps toward what matters most, whether that’s paying down debt, improving credit, or finally feeling secure in your future.
Schedule Your Appointment
Find the Tools You Need to Feel Financially Secure.

Explore courses, live webinars, and tools made to guide you through budgeting, debt relief, home buying, and much more.

Tap a section to find what you need to succeed

FIT ACADeMy
Learn at your own pace with structured lessons on credit, mortgage readiness, homeownership, and foreclosure prevention.
‍Explore courses that move you closer to your goals.
Live Classes
Join interactive in-person or online classes with experts simplifying credit, debt, and housing topics.
‍
‍Join a class to start gaining clarity and confidence.
Calculators
Access practical tools to budget wisely, manage debt, and plan for milestones like homeownership or retirement.
‍Explore calculators that meet your needs.
Blogs

Blogs

Explore fresh insights on credit, housing, and debt to avoid mistakes and feel confident in your financial path.
‍Read blogs that give you practical steps forward.
Read Blogs

Testimonials

Real experiences from people who trusted Credit.org for debt relief, housing support, and financial guidance.

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← Click to see more reviews

Jo Anne P.
09/29/2025
"My counselor, Deborah, guided me through the reverse mortgage counseling process with professionalism and care. She was clearly experienced and answered all of my questions, even the ones I didn’t know I had. The session was very informative and helpful. I don’t see anything that needs improvement in your process, and I’d absolutely recommend Credit.org’s services to others."
Chrystal R.
08/20/2025
"Janet was wonderful, she spoke clearly, ensured I understood everything, and maintained slow pace."
Ernest R.
08/15/2025
"Donna did a fantastic job. Although she wasn’t able to directly assist the client, she provided valuable resources and shared her knowledge. Most importantly, she made sure the client didn’t feel dumb or ignorant."
Ella A.
06/10/2025
"Corrie Was a 10 out of 10. His  Customer service is very thorough , my mother is hard of hearing and wears hearing aids and he was very patient and clear with us and we felt supported. He explained the myths of the program which provided us with the confidence of moving forward with the loan."
Erika S.
06/10/2025
"Deborah was very nice and explained things clearly. The material that my counselor went over was very informative. Even though it's mandatory I think that everyone should go through counseling because I learned a lot. I would recommend the services to family and friends."
Ronald O.
06/02/2025
"Jannett, my counselor was super! She had a good attitude and was very polite. I felt supported by her and what stood out was that I felt that she was present during my counseling and made worth my while."
Roger J.
03/18/2025
"Corrie Williams was personable and clear and concise in his explanation of the information. Definitely a job well done."
Frehiwot B.
03/6/2025
"Credit.org has extremely patient financial counselors. Deborah Ormspy explained to me the details of the program repeatedly and answered all questions I had. Credit.org has Very knowledgeable financial counselors who care a lot about the needs of the customer ."
Susan G.
02/10/2025
"Excellent counselor, Kimberly, was thorough and addressed all of my questions and concerns."
David M.
01/23/2025
"Credit.org is a professional company. From the beginning of the process to the end."
Credit.org's 50th anniversary seal

Guiding Families Toward Financial Freedom Since 1974

Confidential Certified Nonprofit Counseling
BBB seal of accreditation logo for Credit.org
NFCC members seal of accreditation logo for Credit.org
Council on accreditation seal of accreditation logo for Credit.org
HUD-approved housing counseling agency seal of accreditation logo for Credit.org
Guides star platinum transparency seal of accreditation logo for Credit.org

Take the First Step Towards Financial Freedom

Trusted by Families for over 50 years.

⭐ $2.2 Billion in Homeowner Support Delivered as a Partner

⭐ +5.2 Million Client Counseling Sessions Completed

⭐ +87,000 Online Education Participants

⭐ $2.2 Billion in Homeowner Support Delivered as a Trusted Partner

⭐ 5.2 Million Counseling Sessions

⭐ 87,000 Online Education Participants

Schedule Your Appointment
951-781-0114

Financial wellness event ►

Financial Wellness That Transforms the Workplace

When employees gain clarity around money, productivity rises and workplaces thrive. Learn more about how financial wellness events can strengthen your workforce today.

Connect with us to get your event underway.

951-781-0114

A Family of Companies

Working Together to Support Your Financial Journey

Our Springboard family provides counseling, homeownership support, lending solutions, and community programs - all aligned to help you thrive. Tap any logo to explore how each organization serves you.

About Us
Services and Resources
Credit.org is not a loan company. We do not loan / lend money. Credit.org is an independent nonprofit financial counseling agency and is not affiliated with any mortgage, lending or servicing provider. The content, links and resources in this site are presented for informational purposes only and should not be construed as legal or tax advice.
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