How It Works
Our FREE Credit Coaching Sessions Include:
- A Complete Financial Review
- Free Credit Advice
- Debt Management Options
- Available Support Resources and Referrals
- Personalized Financial Action Plan
- Ongoing Support
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Benefits of Working with a Credit Coach
Before filing for bankruptcy, you are required to complete a pre-filing bankruptcy education session with an EOUST approved credit coach.
Each client’s situation is reviewed carefully by a credit coach to ensure we are providing the best possible action plan.
Free Credit Assistance
Credit Coaching is a free credit assistance program. You’ll get help to get out of debt fast and eliminate credit card debt.
A coach will be with you every step of the way. Regardless of how much debt you have, we’ll help you find your way to financial independence.
Free Credit Counseling Services
Debt Management Plan
For some, prudent budgeting may not be enough to get out of debt. A Debt Management Plan consolidates all of a client’s monthly credit debt payments into one convenient payment and brings additional concessions that can lower that monthly payment.
Settlements involve paying less than the amount you owe to make debts go away. If a creditor agrees to settle a debt with you, the resulting notation on your credit report may impact your credit rating.
It may be possible to get debt relief by negotiating with individual creditors, but this leaves you at the mercy of the individual collection agent you speak to and doesn’t address your entire financial situation.
Our free financial debt advisors can work with you by negotiating with creditors while also providing you with personal finance education.
How can I access a credit.org free credit advisor?
Our financial coaching and education services are available face-to-face in our local branch offices or by phone by reaching out to our national toll-free hotline (1-800-431-8157) to serve any client who needs help anywhere in the U.S.A.
We also offer online coaching. Starting your coaching session online allows you to enter your personal financial information, which speeds up the process and helps us ensure that your information is accurate.
Will credit coaching stop legal action and creditor phone calls?
Credit counseling is a service offered to those struggling with credit and debt. Our expert coaches 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 debt payments and living expenses, provide personal finance tips and help negotiate better payment plans with your creditors. We will set up a plan to stop the collection calls.
What does a Credit Coach do during my session?
Our coaching sessions are entirely confidential; a Credit Coach 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 Coach help?
No. We do not offer legal advice of any kind. We recommend seeing a qualified attorney for help with legal issues.
What do you charge for coaching services?
Our coaching is provided free of charge. In addition to free credit help and advice, the majority of our other assistance is provided at no or low cost to clients.
Why will credit card companies and creditors reduce payments through you instead of working directly with me?
The creditors don’t have the time or manpower to negotiate with every one of their customers individually. They work with credit counseling agencies like us to create a set of standard concessions that we may offer to clients when appropriate. The creditors also understand that we provide counseling and education, which makes our clients more likely to succeed in repaying their debts.
Is my coaching confidential?
All of our financial coaching is completely confidential. Our records are kept securely to protect our clients’ privacy and we do not share information about our clients with anyone.