About Credit.org

Established in 1974, Credit.org is a national nonprofit financial wellness organization, recognized as one of the earliest U.S. Department of Housing and Urban Development (HUD) approved nonprofit and consumer credit counseling services (CCCS) agencies nationwide. Our HUD-approved housing counseling programs have consistently improved housing outcomes for first-time homebuyers, homeowners, renters, and those overcoming homelessness. 
a person holding in one hand a wooden figure that represents a person and alongside the other hand a bag with a cross on it. This illustrates the health in saavings for a consumer.
Housing and Urbane Development (HUD) seal of approval for Credit.org as a housing counseling agency.
the logo of the National Foundation for Credit Counseling representing the partnership with Credit.org's Credit Counseling Service.
Better Business Bureau (BBB) seal of approval for Credit.org as a housing counseling agency and a credit counseling agency.
Council on Accredidation (COA) seal of approval for Credit.org as a housing counseling agency and a credit counseling agency.

Credit.org's
50th Year
Celebration Video

Our Vision

Impact more lives than anyone in the field.

Throughout our history, we have remained dedicated to improving the lives and financial stability of communities, with a special focus on underserved, low-income communities. Our extensive array of services of financial literacy, credit and debt management, and housing counseling programs have reached individuals across the country, benefiting over 25,000+ people annually.

Our Purpose

We're on 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. Our financial education and counseling programs are tailored to meet the unique needs of each individual in achieving sustainable housing security, promoting intergenerational wealth, preventing eviction, navigating mortgage default/foreclosure challenges, managing debt including student loans, rebuilding credit, and mastering budgeting and money management skills.
Debt-counselo…h-client

Mission Statement

Our people improve the lives and financial well-being of individuals and families by providing access to quality financial education, counseling and assistance.

Our Goals

The goal of Credit.org is to provide a comprehensive online hub of personal finance education and learning resources that guide consumers in improving their personal finances. Our mission is to provide financial education to members of the public and families and individuals in need. Financial education is the core focus of our organization and Credit.org offers confidential and professional credit counseling, debt management services, bankruptcy education, and housing counseling as well as online personal finance education and in-person seminars.

Code of Ethics

Credit.org is dedicated to providing confidential and professional counseling to aid and rehabilitate financially distressed families and individuals regardless of race, color, national origin, religion, familial or marital status, age, sex, receipt of public assistance, good faith exercise of any rights under the Consumer Credit Protection Act or disability (as the same is defined in The Americans With Disabilities Act of 1990, 42 USC § 12101-13 and any regulation promulgated thereunder) or any other unlawful basis.
two Credit.org staff members that are smiling as they read over the Client Bill of Rights.

Client Bill of Rights

We serve all members of the community. We do not engage in the practice of discrimination in the selection and participation of clients in our programs or services with respect to race, color, national origin, religion, familial or marital status, age, sex, receipt of public assistance, good faith exercise of any rights under the Consumer Credit Protection Act or disability (as the same is defined in The Americans With Disabilities Act of 1990, 42 USC § 12101-13 and any regulation promulgated thereunder) or any other unlawful basis.

Services will not be denied for any reason, including the need for counseling without a debt management plan, unemployment, self-employment, or types of debt.
Credit.org is not a loan company. We do not loan / lend money.
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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.
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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.
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