Working with a credit counsleor will help you pay off debt fast and manage your personal finances more efficiently. Our free credit advice is personalized to your unique situation.
The 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.
Your 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 counselors will guide you through your credit report, answer questions, and give personalized guidance towards improving your score.
Learn about the process of getting a bank account with BankOn. Learn all there is to know about opening a bank account and the responsible usage of the bank account.
Speak with a Debt Coach to review all your options and discuss the best strategies for getting debt relief. We’ll point you in the right direction, whether that’s DIY debt relief or a debt program, like Debt Management Plans or Debt Settlement.
Debt is common and manageable. Our certified financial counselors are standing by ready to answer your questions, provide guidance, and help you reach your financial goals. Speaking to one of our certified debt counselors is completely free. Our counselors will be able to review all of your options for getting out of debt and guide you toward the best path forward.
A financial counselor 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.
Debt 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 counselors will help you assess if debt settlement is the best debt relief option for you.
Credit.org is an Executive Office for United States Trustees ‘EOUST‘ approved agency. Our experienced financial counselors work with people in all stages of their financial life, including the challenging decision of bankruptcy. Our cousnelors can help you obtain the certificate you need to file for bankruptcy or discharge debts in bankruptcy.
Credit.org offers expert student loan counseling to help you manage your education debt. Our certified counselors guide you through loan repayment options, consolidation, and strategies to alleviate student loan stress. Get personalized assistance to navigate your student loan journey and find the best solutions for your financial goals.
Whether you are current on your mortgage payments, experiencing a financial hardship, or ready to begin your homeownership journey, take action and reach out to a HUD Certified Housing Counselor today!
Work with our HUD Certified Counselors who will assess your current mortgage needs and help guide you to the options that are best suited for your specific situation.
If you are 62 or older, have equity in your home, and are considering a Reverse Mortgage loan, it is important to speak with one of our HUD Certified Counselors to understand the benefits and risk of this product.
Our award-winning counselors 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.
Don’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.
If you are seeking guidance regarding renting, call us to speak with one of our financial counselors who will help you develop a budget, create a detailed action plan, and who can provide you with local, statewide, and national resources.
Community Affordable Loan Solution™ is designed to create homeownership access for clients who have never envisioned themselves as a homeowner. Credit.org has partnered with Bank of America to assist first-time homebuyers with pre-purchase counseling and homebuyer education.
Credit.org has partnered with Federal Home Loan Bank of Atlanta to provide your pre-purchase or owner-occupied credit counseling.
Helping San Diego County, Riverside County & San Bernardino County residents CLIMB to financial freedom!
February is American Heart Month, and we’d love to help you find ways to improve your heart health without jeopardizing your financial fitness.
A gym membership can be a great way to stay active and do heart-healthy exercise, but we know from over 40 years of financial counseling that gym memberships can be a painful subscription to pay for.
Here are some less-expensive alternatives to gym memberships in honor of American Heart Month:
Go for regular walks. You can set up a walking club. Check with your local community center or see if your neighborhood is on nextdoor.com. You can use these resources to get together with neighbors to walk together—try to motivate each other to increase your heart rate!
Visit your local YMCA. You may have a YMCA or rec center that will offer swimming, workout rooms, and more. These memberships are far less than joining a gym.
Public parks might offer a place to exercise for free. Your public park may have basketball or tennis courts—if those are sports you can get into, take advantage of the free venue!
Try public classes at the community center. Your local community or rec center might have workout classes at a much lower cost than a commercial gym. Whether it’s aerobics, yoga, or step classes, any activity is better than nothing.
Smartphone apps can guide you for a very low cost. You’ve already paid a lot for a smartphone, why not take advantage of that hardware and download a good workout app?
Search YouTube for workout videos. Back in the old days, people paid good money for workout tapes to follow and burn some calories. Now there’s a lot of free content just a few clicks away.
Whatever you do, find some activity that can help you get your heart rate up and that won’t get you stuck with an expensive subscription. Develop the habit of being active first, before you start spending more money.
If you need help achieving fiscal fitness, call us today for a free credit counseling session with a certified counselor. Debt counseling is available on demand and is completely confidential.
If you need help with credit or debt, or want to learn more about budgeting or personal finance, get started with free, confidential counseling and education right here at Credit.org.
Article written by
Melinda Opperman
Melinda Opperman is an exceptional educator who lives and breathes the creation and implementation of innovative ways to motivate and educate community members and students about financial literacy. Melinda joined credit.org in 2003 and has over two decades of experience in the industry.