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Credit.org
  • Credit Building
    • Get Free Credit Counseling
      Working with a credit coach will help you pay off debt fast and manage your personal finances more efficiently. Our free credit advice is personalized to your unique situation.
      find out more
    • Credit Score Education
      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.
      find out more
    • Review Your Credit Report
      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 coaches will guide you through your credit report, answer questions, and give personalized guidance towards improving your score.
      find out more
    • Free Online Budgeting Tools
      Credit.org provides access to tools that allow you to pay off debt and access a financial goal planner. Use these FREE tools to break free from debt and take the first step toward achieving your financial goals.
      find out more
  • Debt Relief
    • Get Free Debt Counseling
      Debt is common and manageable. Our certified financial coaches are standing by ready to answer your questions, provide guidance, and help you reach your financial goals. Speaking to one of our certified debt coaches is completely free. Our coaches will be able to review all of your options for getting out of debt and guide you toward the best path forward.
      find out more
    • Debt Management Programs & Plans
      A financial coach 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.
      find out more
    • Debt Settlement Solutions & Programs
      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 coaches will help you assess if debt settlement is the best debt resolution option for you.
      find out more
    • Filing for Bankruptcy
      Credit.org is an Executive Office for United States Trustees ‘EOUST‘ approved agency. Our experienced financial coaches work with people in all stages of their financial life, including the challenging decision of bankruptcy. Our coaches can help you obtain the certificate you need to file for bankruptcy or discharge debts in bankruptcy.
      find out more
  • Housing Assistance
    • Foreclosure Help & Mortgage Assistance
      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.
      find out more
    • Reverse Mortgage Counseling
      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.
      find out more
    • Pre-Purchase and HOEPA Counseling
      Our award-winning coaches 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.
      find out more
    • Online Classes for First-Time Home Buyers
      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.
      find out more
    • Rental Counseling
      If you are seeking guidance when it comes to renting, call us to speak with one of our HUD Certified Counselors who will help you develop a budget, determine what your rent affordability is, help you find rental assistance, educate you on Fair Housing laws, and teach you how build a tenant-landlord relationship.
      find out more
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Credit.org Education Team

Credit.org’s Education Team is dedicated to providing you with outstanding financial literacy resources including seminars, webinars and printed resources.

Melinda Opperman

Senior Vice President of Community Outreach and Industry Relations
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  • View Melinda’s recent articles


Lori Lamb

Credit Education Supervisor
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  • View Lori’s recent articles
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What is the Homeowner Assistance Fund? – How to Apply

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