Get Back on Track with Housing & Debt Relief Counseling

Since 1974, Credit.org’s certified counselors have guided families towards financial freedom by providing trusted nonprofit housing and debt relief counseling. From managing overwhelming debt, to finding the right apartment, buying a home, or preparing for retirement, we’re here to help you move forward with confidence.

With nonprofit counseling, you can:
• Explore rental or home buying options
• Prevent foreclosure on your home
• Understand the reverse mortgage process
• Stop unwanted collection calls
• Reduce late fees and interest on loans or credit cards
• Improve your overall credit report  
• Review student loan debt

‍Start your counseling session today.

Find the Right Solutions and Support You're Looking For Through Our Professional Counseling Services

Whether you’re buying a home, managing debt, or rebuilding credit, our trusted counselors will help you find the best path forward. Scroll down to find the service that fits your needs.

Become Mortgage Ready and Confidently Buy Your Home

Whether you’re buying your first home or your next one, our HUD-certified counselors guide you through budgeting, credit readiness, and mortgage options so you can purchase with confidence.

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

Schedule Your Appointment
800-294-3896


Learn More About Becoming Mortgage Ready ►
‍

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 ►
‍

Learn More About Foreclosure Prevention ►

Understand Reverse Mortgages Before You Begin the Process

Our HUD-certified counselors provide clear guidance on reverse mortgages, helping you understand how the program works, review eligibility, and explore whether it fits your financial goals. This service also educates you on how to spot and avoid predatory practices or scams.

‍Schedule your appointment to start
your reverse mortgage counseling.

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


Learn More About Foreclosure Prevention ►
‍

Learn More About Reverse Mortgage ►

Say Goodbye to Debt Stress and Hello to a Fresh Start

Debt relief is just a click away. Whether it’s credit card debt, personal loans, or student loans, our certified nonprofit counselors help you create a personalized debt management strategy, reduce high interest rates, and lower monthly payments, so you can pay off debt faster and keep more of your hard-earned money.

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

Schedule Your Appointment
800-431-8157


Learn More About Debt Relief ►
‍

Learn More About Debt Relief ►

Get Rental Ready and Secure the Keys to Your Next Home

Our HUD-certified counselors help you prepare for your next home by understanding how much rent you can comfortably afford. We’ll guide you through budgeting, debt management, and improving your debt-to-income ratio, so you can qualify with confidence and still have money in your bank.

‍Schedule your appointment or call
to start your rental counseling.

Schedule Your Appointment
800-294-3896


Learn More About Rental Readiness ►
‍

Learn More About Renter Education ►

Build Better Credit and Open the Doors to New Opportunities

Build better credit with certified nonprofit counselors who help you understand your credit score, manage credit card debt, and help you strengthen your credit report, so you can qualify for better loan rates, and save more on interest over time.

Schedule your appointment or call
to start your credit counseling.

Schedule Your Appointment
951-781-0114

Learn More About Building Credit ►
‍

Your Available Options to Pay Off Credit Card Debt

If your current credit card debt is
$15,000
and you only pay the minimum balance
You'll end up paying
$44,104
in credit card debt
365 months
to payoff debt
$29,112
interest accrued
If you qualify for a personal loan
(debt consolidation) you'll pay:
$26,416
60 months
to payoff debt
$11,416
interest accrued
By Enrolling in a
Debt Management Program with Credit.org You'll Reduce Your Debt and Pay
$18,758
60 months
to payoff debt
$3,754
interest accrued
$25,346
potential savings
Schedule Your Appointment

Your Path to Debt Relief
and Housing Stability in 3 Easy Steps

Together, we’ll build a plan that helps you move forward with lasting financial stability. 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 With Confidence

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
Get the Clarity and Tools You Need to Feel Financially Secure, All In One Place.

Explore courses, live webinars, and tools made to guide you through budgeting, debt relief, home buying, and much more. Tap or hover to find what you need to succeed.

F.I.T 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.
Guides
Get free guides to build credit, create a budget, protect your identity, and handle life’s money moments with confidence.
‍Browse our collection
and start learning today.
Calculators
Access practical tools to budget wisely, manage debt, and plan for milestones like homeownership or retirement.
‍View all of the calculators
to find the one that fits your goals.
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.

Testimonials

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 badge that represents the number of years the company has been operating and serving clients with financial counseling services as a nonprofit credit counseling agency.
A Legacy of Guiding Families Toward Financial Freedom Since 1974
Confidential Certified Nonprofit Counseling

Helping People Build Stronger Financial Futures, One Call at a Time

Trusted by Families for Decades

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

⭐ +5.2 Million Counseling Sessions

⭐ +87,000 Online Education Participants

Take the First Step
Towards Financial Freedom

You’re Not Alone on This Financial Journey,
We’re Here with A Trusted Network of Partners

Become a Business Partner

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

Built to Support Your Goals

From counseling to homeownership, five companies united with a common mission, to help you thrive. Click a logo, to explore how each one supports your financial journey.

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.
Copyright © Credit.org