Improve Your Credit with Consumer Credit Counseling

Are you looking to become debt-free?

Working with our credit counselor will help you pay off debt fast and manage your personal finances more efficiently. Our counselors will help you structure a payment plan that fits your budget and your unique situation.

Contact us and start improving your overall financial health.
Schedule Your Appointment951-781-0114

Benefits of Consumer Credit Counseling

Regain Control
Over Your Finances

Working with our certified credit counselors means getting the specialized support you've been looking for to regain control of your debt. Together, we’ll create a personalized plan to simplify finances, reduce stress, and take confident steps toward a debt-free life.

Reduce Debt with a Plan

Reduce debt faster with a tailored repayment plan that fits your budget and goals. Our certified counselors work directly with creditors on your behalf, helping you reduce interest rates and monthly payments, making your debt more manageable.

Secure Your
Financial Future

Building on your repayment plan, we’ll help you establish habits that can improve your credit score, grow your savings, and open doors to new opportunities like homeownership or major purchases

Build Your Path to Better Creditworthiness

Regain Control,
Eliminate Debt

You don’t have to face debt alone. Our compassionate credit counselors are here to create a personalized debt management plan just for you. We'll work together to lower your payments, reduce interest rates, and help you find a clear path to financial freedom.

Make Progress,
Boost Credit

Your credit score can be a stepping stone to better financial opportunities. Let’s improve it together! With our tailored approach, you should see improvements in your credit score, giving you access to lower interest rates, better loan options, and the confidence to move forward in life.
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Gain Confidence,
Master Credit

Take control of your credit with expert guidance. We’ll help you master the essentials of credit management, improve your financial standing, and build long-term financial stability while doing the things you love to do.  
Schedule Your Appointment951-781-0114

Step-by-Step
Credit Counseling Process

Step 1:

Get a free consultation, talk to us today

Our credit counselor will work closely with you to review your income, expenses, and debt, identifying the best options tailored to your needs. We’ll address any challenges and create a personalized plan that empowers you to achieve financial freedom and take control of your future.
Step 2:

Take control, Eliminate Credit Card Debt

Our debt management program is designed to help you reduce interest rates and lower monthly payments, putting you on a path to eliminate debt in five years or less. This empowers you to take control of your financial future and move forward with confidence.
Step 3:

Build a Stronger
Credit Score

We craft a personalized credit-building plan tailored to your unique needs, providing targeted steps to help you boost your credit score with confidence. Unlock new financial opportunities and take control of your financial future.
Step 4:

Gain Tools for
Financial Success

With our free education and resources, you'll gain valuable skills and access new opportunities to build and maintain strong credit. Stay empowered and secure a financially stable future.

Join Thousands Who Regained
Control with Credit Counseling

Our clients reduced debt, improved their credit, and found peace of mind with personalized consumer credit counseling.
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Credit Tools
Made to Help You

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.
Explore Our Resources

Credit Counseling FAQ's

How Does Consumer Credit Counseling Work?

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.

Dive Into Our Blogs for Deeper Insights

Understanding Credit Counseling: What It Is and How It Works

The Benefits of Credit Counseling Services

How Credit Counseling Can Help You Manage Debt

Read more credit blogs
Credit.org is not a loan company. We do not loan / lend money.
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Credit.org is an independent nonprofit financial counseling agency and is not affiliated with any mortgage, lending or servicing provider. The content, links and resources in this site are presented for informational purposes only and should not be construed as legal or tax advice.

Credit.org is not a credit repair company.
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Credit.org does not offer credit repair services. Our focus is on providing educational resources, counseling, and support to help individuals improve their financial health and achieve their homeownership goals. We do not engage in activities that promise to remove or alter negative credit information from credit reports.
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