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!
As an active-duty member, reservist, or veteran, you’ve served your country and earned the military benefits that come with it. Yet, debt from credit cards, auto loans, or housing can be overwhelming. Our credit counseling, debt management, and homebuyer readiness services help you regain control, reduce debt, and work towards homeownership.
Military Credit Counseling Helps You Achieve Debt Relief and Homeownership
Credit Counseling Can Help You with Credit Card Debt
Credit card debt, low credit scores, and negative marks on your credit report can feel like large barriers. Our certified credit counselors create you a tailored debt management plan (DMP) to reduce your credit card debt, address issues on your credit report, and improve your credit worthiness.
Reduce Your Debt with a Debt Management Plan
If you’re feeling overwhelmed by multiple payments and high interest rates, our debt management program can help. We’ll consolidate your debts into one lower-interest payment, making it easier to reduce your debt and stress. With a clear plan, you’ll make real progress toward becoming debt-free.
Unlock Homeownership with Veteran Housing and Loan Assistance
Our veteran housing assistance is tailored to help military members and veterans achieve homeownership. Whether you’re a first-time buyer using VA benefits, a veteran upgrading your home, or considering a reverse mortgage, we’ll guide you through every step, ensuring you make confident, informed decisions.
How We Help Service Members and Veterans Improve Their Financial Future
Step 1: Contact Us for a Free Budget and Credit Review
The counseling call starts with a free budget and credit review. We’ll assess your debt situation and identify ways to reduce expenses and improve your financial health.
Step 2: Get a Personalized Debt Management Plan
After your review, we’ll create a debt management plan tailored to you. This plan consolidates debt, lowers interest rates, and simplifies payments to help you pay off debts faster.
Step 3: Achieve Debt Relief and Homeownership
With our guidance, you'll reduce debt, increase your credit worthiness, and achieve homeownership. Whether it’s your first home or an upgrade, you’ll move forward debt-free and financially secure.