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.
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!
Looking to build or improve your credit? Credit.org’s nonprofit certified credit counselors specialize in consumer credit counseling, offering you insights, strategies, and guidance tailored to your unique financial situation. Embark on a journey towards improved credit health and financial freedom.
We're here to help, not judge. Our credit counseling service is confidential, providing a supportive environment for open discussions with our credit counselors about your financial trouble and financial goals.
In-Depth Credit Analysis
Understanding your entire financial situation is the first step. Our certified credit counselor provides you an in-depth analysis of your credit report, highlighting areas of improvement and potential pitfalls.
Tailored Debt Management Plan
Address your credit card debt head-on with a debt management plan. We craft a tailored debt management plan aimed to reduce your credit card debt, make monthly payments more manageable, and improving your credit score.
Financial Education Guides
Boost your credit knowledge. Our credit counseling service empowers you with essential credit card education, ensuring you make informed decisions to maintain and improve your financial situation.
Dealing with debt can be stressful. We help you feel more in control and less stressed about your financial life. With our help, you'll see a clear way to tackle your credit card debts. Each step you take with us gets you closer to being debt-free.
Specialized Areas Within Credit Counseling
Credit Report Analysis
Uncover the details of your credit report. From identifying inaccuracies to understanding factors affecting your score, we provide a thorough analysis.
Working with Debt Collectors
We can advocate on your behalf, working with your creditors for reduced interest rates via a debt management plan.
Credit Building Strategies
We offer strategies and advice tailored to building a strong credit foundation for the future.
Experience the Impact of a Professional Nonprofit Credit Counseling Agency
Credit challenges can be transformed into opportunities. Learn how Credit.org’s nonprofit credit counseling service equips you with free educational materials, tools, and knowledge to turn the tide. With expert guidance, a future of robust credit health and financial stability awaits. Discover how our consumer credit counseling sets the stage for this transformation.
Armed with the right tools, managing and improving your credit becomes a seamless task. Effective budget counseling is key to credit health. Our resources and tools guide you in allocating funds wisely, reducing debts, and positively impacting your credit score.
To prepare for your consumer credit counseling session, gather recent pay stubs, bank statements, creditor statements (loans and credit cards), and utility bills. In your session, a counselor will review your financial situation, help you understand your options, and create a personalized action plan. You'll learn how to manage your debt, budget effectively, and improve your credit score. More information is always better than less to ensure a thorough review.
Will credit counseling stop legal action and creditor phone calls?▼
We can usually work with creditors to stop collection efforts and minimize legal actions, but the best way to stop creditor calls is to make full, on-time payments. Our debt management plan can help you do that.
What does a credit counselor do during my counseling session?▼
Our counseling sessions are entirely confidential; a counselor will go over your personal finances and offer expert advice that is tailored to your unique situation. We will help you create a spending plan to cover all of your payments to your creditors, as well as your regular living expenses.
If I need legal advice, can a credit counselor help?▼
No. We do not offer legal advice of any kind. We recommend seeing a qualified attorney for help with legal issues.
How do I obtain a copy of my credit report?▼
Visit www.annualcreditreport.com, where you can get free copies of your credit reports. We do not recommend paying extra for your credit score at this site. If you need a copy of your score, make sure you are getting your genuine FICO score; you will incur a fee.
Get Your Questions Answered
Want to Learn More About Credit Counseling?
We have lots of credit blogs to help you understand your credit and achieve financial freedom.