- Credit Building
- Get Free Credit CounselingWorking with a credit coach will help you pay off debt fast and manage your personal finances more efficiently. Our free credit advice is personalized to your unique situation.find out more
- Credit Score EducationThe details on your credit report, like your credit score, directly impact your everyday financial well-being. Your credit score influences your ability to secure the best interest rates on loans, helps you qualify for housing, rentals or a mortgage, and even plays a role in obtaining employment for certain types of positions.find out more
- Review Your Credit ReportYour credit report can influence your ability to find housing, employment and secure a loan. Knowing your score and understanding your report are the first steps towards your financial health. Our certified financial coaches will guide you through your credit report, answer questions, and give personalized guidance towards improving your score.find out more
- Free Online Budgeting ToolsCredit.org provides access to tools that allow you to pay off debt and access a financial goal planner. Use these FREE tools to break free from debt and take the first step toward achieving your financial goals.find out more
- Debt Relief
- Get Free Debt CounselingDebt is common and manageable. Our certified financial coaches are standing by ready to answer your questions, provide guidance, and help you reach your financial goals. Speaking to one of our certified debt coaches is completely free. Our coaches will be able to review all of your options for getting out of debt and guide you toward the best path forward.find out more
- Debt Management Programs & PlansA financial coach will help you determine whether a Debt Management Plan is your best path toward effectively managing debt levels. Once you enroll in a plan, we become your personal advocates, working closely with you and your creditors to pay off debt in a timely fashion.find out more
- Debt Settlement Solutions & ProgramsDebt settlement is a process that allows you to pay off debt by paying a single lump sum that is lower than the total amount you owe. Settlements are achieved through negotiation between lenders and consumers or a third-party debt settlement company. Our coaches will help you assess if debt settlement is the best debt resolution option for you.find out more
- Filing for BankruptcyCredit.org is an Executive Office for United States Trustees ‘EOUST‘ approved agency. Our experienced financial coaches work with people in all stages of their financial life, including the challenging decision of bankruptcy. Our coaches can help you obtain the certificate you need to file for bankruptcy or discharge debts in bankruptcy.find out more
- Housing Assistance
- Get First-Time Home Buyer CoachingOur award-winning coaches are here to help prepare you to own a home. We provide education, resources, and guidance to make your home buying process efficient, stress-free, and rewarding.find out more
- Foreclosure Help & Mortgage AssistanceWork with our HUD approved housing counselors who will assess your current mortgage needs and help guide you to the options that are best suited for your specific situation.find out more
- Online Classes for First-Time Home BuyersDon’t start your home buying journey without getting the facts first! Whether you’re a first-time home buyer or someone looking to get back into home ownership, you will need a well laid plan. Our HUD-approved Home Buyer Classes will help you navigate the home buying process and equip you with useful tools & resources for purchasing a home.find out more
Get Started With Free Debt Relief Today!
Start today with a FREE debt analysis and talk with one of our financial coaches. Together, we will:
- Review your finances
- Discuss debt relief options
- Create an action plan
BUILD YOUR CREDIT
Manage your personal finances and improve your credit with our personalized, one-on-one Credit Coaching.
GET OUT OF DEBT
Speak with our Debt Coaches to review all your options and discuss the best strategies for getting out of debt.
OWN A HOME
Make your dream of homeownership a reality and prepare yourself and your finances for a mortgage with our Mortgage Readiness Coaching.
Our Purpose
Credit.org is a non-profit organization formed in 1974 with a mission to provide consumers with the financial education and debt relief options needed to ensure they are on the right path to financial freedom. Our goal is to provide the financial tools, one step at a time, for our clients to achieve immediate solutions to their debt problems.
Talk to a CoachIt's free of charge
BBB
Accredited by the Better Business Bureau (BBB). Since 1983, we have maintained our A+ rating with the Better Business Bureau and take it seriously.
COA
The Council on Accreditation (COA). Credit.org undergoes an extensive review process by an independent review group to make sure we provide the best possible nonprofit services to the community.
HUD
U.S. Department of Housing and Urban Development (HUD) approved housing counseling agency. To maintain this certification, we keep meticulous records and undergo regular audits.
NFCC
Member of the National Foundation for Credit Counseling (NFCC). The National Foundation for Credit Counseling promotes the national agenda for financially responsible behavior, financial educations, and consumer credit counseling services.
EOUST
Credit.org is approved by the U.S. Department of Justice Executive Office for U.S. Trustees (EOUST) and the U.S. Bankruptcy Administrators of North Carolina and Alabama to provide mandatory pre-filing and post discharge bankruptcy counseling pursuant to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.
ISCUW
The Inland Southern California United Way (ISCUW) advocates for education, financial stability, and housing of every person in our community. Credit.org is honored to receive annual support as an approved ISCUW funded agency.
The Numbers
98%
Satisfied Clients
By taking advantage of our offerings, we have helped consumers reduce or eliminate their debt, improve their credit, and start reaping the benefits that come with improved financial stability.
5.2MILION+
Sessions Completed
Working with one of our financial coaches will help you pay off debt faster and manage your personal finances more efficiently.
50+
Financial Coaches
Our people improve the lives and financial well-being of individuals and families by providing quality financial education and coaching.
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Our Success Stories
I was very impressed with the counseling I received. My counselor was patient and knowledgeable. I’ve already begun referring people I know who could benefit from this service. I enrolled in the Debt Management Program and can’t wait for it to get into effect on the road to paying off my debt in 5 years.
Things were explained to my satisfaction and all questions were answered to help me further understand what I needed to know. At times I felt the questions and answers were a little too technical but were explained to my satisfaction when I questioned the gentleman who was conducting the interview. At the conclusion of the interview I felt I had a good knowledge of what I needed to continue the process. But if something did arise that I needed further help with I would have felt free to contact you for further assistance.
My wife and I had a most pleasurable and informative counseling session with April last night. April listened to our situation and provided us thoughtful and professional direction with our family situation now and in the near future. She made us feel at ease and her patience and time dedicated to walk us through the steps was greatly appreciated. Without saying, we were most impressed with her service and care.
Information
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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