Certified · Confidential · Comprehensive

Spring Forward with Counselors that Help with Debt & Housing

HUD Certified

NFCC Certified

501(c)(3) Nonprofit

50,000+

Average # of people helped yearly

50+

Years of service

100%

Unbiased & confidential

Personalized consultation

trusted advice, no obligation

HUD & NFCC Certified
U.S. Department of Housing and Urban Development & National Foundation for Credit Counseling

"I finally feel like someone is on my side."

— Mark T., Los Angeles

Debt Relief and Housing Stability in 3 Easy Steps

Schedule Your Comprehensive 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.
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.
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 Appointment

50,000+

Average # of people helped yearly

50+

Years of trusted service

100%

Unbiased & confidential

HUD

Approved agency

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.

Educational events designed to help you take control of your financial future.

Financial wellness workshop teaching budgeting, debt management, and money skills to improve financial confidence.

Our services

How we can help you

All services delivered by nonprofit, certified counselors — no products to sell, no hidden fees.

Older couple reviewing finances online and planning for retirement, budgeting, and long-term financial stability.

Learn How Reverse Mortgages Work Before Starting the Process
Reverse Mortgage Academy is a free, 30-minute online course designed to help you understand how a reverse mortgage works, before you ever speak to a lender.
Learn About Reverse Mortgage

Begin Required Reverse Mortgage Counseling
Complete your HUD-required counseling session with a certified HECM counselor. Available for both HECM and Non-HECM reverse mortgage products.
Schedule Reverse Mortgage Appointment (HECM)
Schedule Reverse Mortgage Appointment (Non-HECM)

Couple meeting with a housing counselor to discuss mortgage options, homeownership goals, and financial planning.

Older couple reviewing bills and finances at home while seeking help with budgeting, debt, and financial stability.

Get Help If You're Behind on a Reverse Mortgage
Avoid default and protect your home with expert mortgage default counseling. Our certified counselors will help you explore every available option.
Schedule Mortgage Default Appointment

Understand Home Mortgage Terms Before You Buy
Navigating the home buying process can feel overwhelming, especially when loan terms are complex or you're unsure what’s affordable.
Schedule Pre-Purchase Appointment

Get Foreclosure Assistance to Protect Your Home 
Foreclosure can feel overwhelming, but facing it doesn’t have to mean facing it alone. HUD-certified housing counselors are here to guide you through every step, offering tailored solutions that fit your unique financial needs.
Schedule Foreclosure Help Appointment

Rebuild and Recover Fiancially After a Disaster 
Disasters happen, and recovering from them takes time and support. That’s why we’ve put together a collection of resources to help you move forward.
Schedule Disaster Recovery Appointment

Get Relief From High Debt and Financial Stress
Through debt relief counseling, a certified nonprofit counselor will guide you through your financial situation, explain available debt relief options and debt relief programs, and help you choose the right repayment options.
Schedule Debt Relief Appointment

Create a Manageable Plan to Pay Down What You Owe
Reduce interest rates, consolidate payments, and pay off debt faster with a structured debt management program designed specifically for your financial goals.
Schedule Debt Management Appointment

Person checking debt relief progress on a mobile phone, viewing financial graphs and charts for better debt management.

Understand Credit Cards and Reduce Debt 
You don’t have to face debt alone. Our compassionate credit counselors are here to create a personalized debt management plan just for you.
Schedule Credit Appointment

Build Strong Credit to Get Better Rates 
Gain access to better financial options, lower interest rates, and a secure financial future with expert credit counseling. Your credit score can open doors to life-changing opportunities. Contact us today.
Schedule Credit Score Appointment

Uncover Credit Issues and Improves Your Report 
See where you stand, learn how to correct errors, and take clear steps to boost your credit score. We’ll walk you through every detail of your credit report, identifying what’s holding your score back and showing you how to take action.
Schedule Credit Report Appointment

Qualify for Today’s Rental Market with Confidence 
Becoming a renter comes with challenges, but you don’t have to face them alone. Rent4Success empowers you with the confidence, knowledge, and preparation to overcome barriers and achieve lasting rental success in today’s market.
Schedule Rental Readiness Appointment

Get Help When Rent is No Longer Affordable 
If you're stuck in the cycle of high-interest credit cards and rising rent, you're not alone. It’s not just what you owe, it’s the sky-high interest rates draining your budget.
Schedule Rental Help Appointment

Trusted Network

Our Network of National & 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.

View Partnerships

The process

Getting help is simpler than you think

Just four straightforward steps between where you are and where you want to be.

Reach out to us

Call, fill out a short form, or schedule online — whatever feels easiest. There's no commitment, and your first session is free.

Talk with a counselor

A certified counselor will take time to understand your situation — your goals, your challenges, your questions. No pressure, no judgment.

Get your personal plan

Together, you'll build a realistic, practical plan that fits your life. We explain every option and make sure you feel confident moving forward.

Start growing financially

With your plan in place, you take action — and we stay with you along the way. Check-ins, tools, and resources are always available.

Connect to a certified counsel now

Schedule your personalized session today — no paperwork required

Schedule Appointment

800-431-8157

Real stories

People just like you found a way forward

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

“It was great. My coach was super nice answered any questions I had and was very knowledgeable. I definitely picked the right company from the list I received. Thank you for explaining things so thoroughly.”

Belinda S.

Los Angeles, CA·Debt Management

"Our session went very well, and we were very pleased with Deborah. She took her time and answered all of our questions. She really put us at ease and made us feel good about going through the counseling. We would absolutely recommend Deborah to...

Andrea & George G

Atlanta, GA · Credit Counseling

"Exceptional service and the counselor that I dealt with was Jannet. She was very good. She explained everything very thoroughly and answered all of my questions. Exceptional and highly recommended."

PaulDee H.

Houston, TX · Housing Counseling

Read Testimonials

Our impact & credentials

Guiding families toward financial freedom since 1974

$2.2 Billion

in Homeowner Support Delivered

+5.2 Million

Counseling Sessions Completed

+87,000

Online Education Participants

Ready to take the first step?

Confidential counseling from certified nonprofit experts.

Schedule Appointment

800-431-8157

Certifications & Memberships

Independently verified credentials

All credentials are independently verified and regularly renewed to ensure the highest standards of service.

Learn & grow

Free resources for you

View all resources

June 30, 2025

10 First Time Home Buyer Mistakes to Avoid
Buying your first home? Avoid common mistakes with expert tips! Learn about mortgages, first-time buyer grants, and make your dream home a reality.
Read article

Jeff Michael

Jeff Michael
10 Tips on How to Get Out of Debt Fast
June 30, 2025
Read

Jeff Michael
3 Ways Baby Boomers Are Getting Out of Debt Faster
June 30, 2025
Read

Free financial calculators

Budget, debt payoff, mortgage tools

Try now

Take the first step

Taking the first step is the hardest part

You don't need to have everything figured out. Just reach out — our counselors are here to listen, guide, and support you. Your first step is just a click away.

Private & confidential

Start now

HUD-certified

No commitment

50,000+

Average # of people helped yearly

50+

Years of experience

4.9/5

Client satisfaction

Ready to take control of your finances?

Unbiased, confidential counseling from certified experts.

800-431-8157

Schedule Appointment

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.