How It Works
Our FREE Credit Coaching Sessions Include:
- A Complete Financial Review
- Debt Management Options
- Available Support Resources and Referrals
- Personalized Financial Action Plan
- Ongoing Support
As Featured In
Benefits of Coaching
Our coaches are certified with the NFCC, so you can be sure your coach will be knowledgeable and professional.
Accredited by the COA
As an NFCC member agency, we are accredited by the Council on Accreditation. This involves regular reviews of our operations to ensure we meet the highest standards for ethics and service delivery.
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 Coach to ensure we are providing the best possible action plan and advice.
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.
How can I access credit.org financial coaching?
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?
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.
What does a Credit Coach do during my session?
Our coaching sessions are entirely confidential; a 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?
Coaching is provided free of charge. 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 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.