Master the Maze to Financial Freedom!

Affordable Housing Solutions With HUD-Certified Counseling

Explore First Time Home Buyer, Reverse Mortgage, and Housing Counseling Services

Schedule Your Housing AppointmentQuick Question?

Debt Relief is Within Reach,
Keep Scrolling!

Debt Relief Solutions

Take control of your finances with our nonprofit debt relief programs. Get expert guidance to tackle credit card debt and find the best path to financial freedom. Start your journey with free counseling today!
Schedule Your Debt AppointmentLearn More

Build Your Credit

Access Credit.org's expert counselors to navigate credit complexities, boost ratings, manage debt, and make informed financial choices.
Schedule Your Credit AppointmentLearn More

Keep or Own a Home

If you are facing home foreclosure or are a renter having trouble making your payments, contact our HUD Certified Housing Counselors to help you understand your assistance program options.
Schedule Your Housing AppointmentLearn More

Debt Relief Solutions

Take control of your finances with our nonprofit debt relief programs. Get expert guidance to tackle credit card debt and find the best path to financial freedom. Start your journey with free counseling today!

Schedule Your Debt AppointmentLearn more

Build Your Credit

Access Credit.org's expert counselors to navigate credit complexities, boost ratings, manage debt, and make informed financial choices.

Schedule Your Credit AppointmentLearn more

Keep or Own a Home

If you are facing home foreclosure or are a renter having trouble making your payments, contact our HUD Certified Housing Counselors to help you understand your assistance program options.

Schedule Your Housing AppointmentLearn more
Let's Begin

Your Journey to Financial Freedom Begins Here

image to illustrate Credit.org's initial financial assessment and counseling step.
Stage 1:
Initial assessment
and counseling
Client Assessment: Evaluating the client's financial situation, including unsecured debt, debt-to-income ratio (DTI), credit history, and budget management skills.

Credit and Debt Counseling: Providing personalized counseling, budget creation, and a financial action plan.
money with an upwards error to signal wealth growth with debt reduction.
Stage 2:
Debt reduction
and budgeting
Debt Reduction: Implementing strategies like negotiation, repayment schedules, and debt management.



Budget Development: Creating a household budget that allows for savings and debt repayment.
credit score gauge that illustrates client credit building and improvement with Credit.org's credit counseling service.
Stage 3:
Credit building
and improvement
Credit Improvement Strategies: Guiding clients on improving credit scores through dispute resolution and consistent payments.



Credit Education: Offering resources to understand credit utilization and the importance of credit inquiries.
an image of a vault that represents the client building their savings as a financial goal with Credit.org.
Stage 4:
Savings
and financial goals
Savings Plan: Initiating savings for a home down payment and closing costs.



Financial Goal Setting: Establishing clear goals with a timeline for becoming a homebuyer.
a computer image that illustrates continuous tracking and follow up digitally available for the client wanting to get out of debt or preparing for homeownership.
Stage 5:
Continuous monitoring
and follow-up
Ongoing Counseling: Regular follow-up sessions to track progress and address new challenges.



Milestone Tracking: Monitoring achievements like reaching a target credit score and saving for a down payment.



Preparation for Homeownership: Preparing for homeownership through education and mortgage options.
800-431-8157

Where Financial Freedom Begins

Personal
Financial Education

Image of financial education books with a graduation hat on top illustrating having completed the financial classes.
Education & Classes
Online free personal finance classes are open to the public without any need to register.
Start Learning
financial calculator with a chart and money to illustrate financial resources will increase wealth building.
Financial Resources
Manage your personal finances with the help of our free online tools that available 24/7.
Explore Resources

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
Better Business Bureau (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.
Council on Accreditation
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 Logo (1)-min
Department of Housing and Urban Development (HUD)
The Department of Housing and Urban Development is the Federal agency responsible for national policy and programs that address America's housing needs, that improve and develop the Nation's communities, and enforce fair housing laws.
National Foundation for Credit Counseling
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.
Proud Member Of

Why Choose Credit.org?

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.
Testimonials

Real Stories, Real Results!

image of a female client that has left a review for her financial counseling session with Credit.org.
"The process was as smooth as could possibly be expected. Ebony was very knowledgeable, professional and helpful."
Norris White
September 2023
image of a female client that has left a review for her reverse mortgage counseling session with Credit.org
"We feel we were given a wealth of knowledge to be able to move forward with confidence in obtaining a Reverse Mortage."
Kathryn N
August 2023
image of a male client that has left a review for his housing counseling session with Credit.org.
"Excellent effort on building up a knowledge-based module to help orient first time home buyers on critical thinking and understanding the housing jargons."
Jeorge U
November 2023

Blogs That Will Change
the Way You Think About Finance

Credit Reports & Scores
Why is My Credit Score Different on Each Report?
by
Melinda Opperman
This is some text inside of a div block.
Read Full
Personal Finance
“I Can’t Pay My Bills!” – Prioritizing Your Monthly Bills
by
Melinda Opperman
This is some text inside of a div block.
Read Full
Personal Finance
Why Tax Refund Advance Loans Are Bad: Risks Explained
by
Melinda Opperman
This is some text inside of a div block.
Read Full
Browse All Blogs
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.

Credit.org is not a credit repair company.
‍
Credit.org does not offer credit repair services. Our focus is on providing educational resources, counseling, and support to help individuals improve their financial health and achieve their homeownership goals. We do not engage in activities that promise to remove or alter negative credit information from credit reports.
Copyright © Credit.org
About Us
Services and Resources