Start 2026 with Real People that Help With Debt & Housing

Schedule Your Appointment

Don’t 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. 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.

Credit
Debt
Housing
Rental
Reverse Mortgage
Understand Your Credit and
Break Free From Card Debt
Schedule Credit Appointment
Build Strong Credit and
Open the Door to Better Rates
Schedule Credit Score Appointment
Uncover Credit Issues and
Improve Your Financial Standing
Schedule Credit Report Appointment
Find Relief From Overwhelming Debt and Financial Stress
Schedule Debt Relief Appointment
Create a Manageable Plan to Pay Down What You Owe
Schedule Debt Management Appointment
Understand Bankruptcy  Options and Take the Next Step Confidently
Schedule Bankruptcy Appointment
Understand Mortgage Terms Before You Commit to a Loan
Schedule Pre-Purchase Appointment
Explore Foreclosure Options and Protect Your Home
Schedule Foreclosure Help Appointment
Rebuild, Recover, and Restore Stability After Disaster
Schedule Disaster Recovery Appointment
Qualify for Today’s Rental Market With Confidence
Schedule Rental Readiness Appointment
Get Help When Rent Is
No Longer Affordable
Schedule Rental Help Appointment
Learn How Reverse Mortgages Work Before Deciding
Learn About Reverse Mortgage
Complete Required Counseling Before Applying
Schedule Reverse Mortgage Appointment (HECM)
Schedule Reverse Mortgage Appointment (Non-HECM)
Senior woman on the phone, gaining clarity and planning with her laptop and notebook to secure a comfortable retirement.
Get Help If You’re Behind
on a Reverse Mortgage
Schedule Mortgage Default Appointment

Guiding Families Toward Financial Freedom Since 1974

⭐ $2.2 Billion in Homeowner Support Delivered as a Partner

⭐ +5.2 Million Client Counseling Sessions Completed

⭐ +87,000 Online Education Participants

Schedule Your Appointment
800-431-8695

Debt Relief and Housing Stability in 3 Easy Steps

  • 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.
  • 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.
Certified financial and housing counselors
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 debt, credit, mortgage readiness, homeownership, budgeting, 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

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.
View Partnerships
Google logo
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."

Testimonials

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

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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.

800-431-8695

Financial wellness event ►