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!
Gain Clarity and Control with a Credit Report Review
See where you stand, fix errors, and take clear steps to boost your credit score. Start your journey to financial empowerment today! We’ll walk you through every detail of your credit report, identifying what’s holding your score back and showing you how to take action. By clearing up errors and understanding each section, you’ll be equipped to make confident, smart financial moves.
A clean, accurate credit report gives you a stronger foundation for growth and financial opportunities. Identify and correct errors that may be dragging down your score with an expert counselor.
Clear Action Plan for Growth
With a step-by-step plan, you’ll know exactly where to focus to increase your creditworthiness. Receive personalized insights on how to improve your credit health.
Stay Informed and Proactive
Learn the skills to monitor your credit report regularly. With our tools and resources, you’ll stay proactive in managing your credit profile, ensuring long-term accuracy and success.
The Benefits of a Credit Report Review
Uncover Hidden Insights, Gain Financial Control
Gain a clear view of what your credit report says about you. Our experts guide you through each factor that impacts your score, helping you identify exactly where improvements can be made.
Fix Report Errors, Build a Stronger Score
We’ll identify and address inaccuracies that may be lowering your score. Correcting these errors provides a fresh start and a solid foundation for ongoing credit growth and financial health.
Take Action, Get a Customized Plan,
Our approach doesn’t stop at reviewing, we equip you for success. With a tailored action plan, you’ll know exactly what steps to take to boost your score and unlock new financial opportunities.
Kick off with a no-obligation consultation. We’ll sit down with you, review your goals, and start analyzing your credit report together, so you know exactly where you stand.
Step 2:
Dive Deep into Your Credit Report
We comb through every line of your report, identifying problem areas, highlighting opportunities, and explaining each section. By the end, you’ll understand the full picture.
Step 3:
Craft a Custom Plan for Credit Improvement
Using insights from the review, we’ll build a step-by-step plan that’s unique to your situation, guiding you toward a higher score and stronger credit standing.
Step 4:
Get Equipped with Tools for Ongoing Success
We give you the resources you need to monitor, manage, and maintain your credit health, so you can stay on top and keep your score strong long-term.
Financial Tools Made to Help You Improve Credit Report
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.
Credit.org does not charge for credit report reviews. During your credit counseling session, a financial counselor will complete a comprehensive budget analysis along with a credit report review. Additionally, the counselor will provide personalized advice and actionable steps to improve your financial health and credit score.
Will I receive my credit score?
Yes, we will share and discuss your credit score as part of the review.
Is this service confidential?
Absolutely! We care deeply about your privacy. Your participation in a financial counseling session will not be reported to any creditors or other third parties.
Will you help me remove negative items from my credit report?
Credit.org cannot assist you with disputing negative items on your credit report. However, our credit counselors can provide you with instructions and sample letters on how to file a dispute and get the error removed.