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!
Durante 40 años, hemos estado ofreciendo educación financiera gratuita a nuestros clientes y a la comunidad. Nuestras clases de presupuestación y otras ofertas de educación sobre finanzas personales están disponibles en todas partes a través de Internet.
Añadimos nuevos cursos con regularidad y revisamos los antiguos en nuestra FIT Academy (formación educativa financiera) en línea. Estos cursos están disponibles las 24 horas del día, los 7 días de la semana y no es necesario registrarse.
Puede optar por recibir un Documento de Logro completando los cuestionarios previos y posteriores y proporcionando su nombre y correo electrónico, pero esto no es necesario para aprovechar los cursos gratuitos.
Cursos de presupuestación
Tres de nuestros cursos en línea gratuitos se refieren directamente a la presupuestación:
El poder de la planificación de cheques de pago— nuestro curso más popular le ayuda a crear un plan para su cheque de pago antes de gastarlo. Este curso ofrece información sobre el seguimiento de los gastos para crear un nuevo presupuesto verdaderamente efectivo.
Presupuestación 101— un punto de partida rápido para los nuevos en el proceso. Este curso básico le ayuda a aprender por dónde empezar, cómo organizar sus gastos y priorizar todos los elementos de su nuevo presupuesto.
Presupuesto 911— un curso diseñado para ayudar a quienes se enfrentan a una emergencia presupuestaria. ¿Cómo puedes superar una crisis financiera y vivir un estilo de vida más económico? Consulta este curso para obtener ayuda.
Cursos de crédito
Varios de nuestros cursos cubren temas relacionados con el crédito y la deuda:
Cómo entender su informe crediticio: Este curso lo ayuda a entender lo que contiene su informe crediticio, cómo llega allí y qué dice sobre usted. También le explica cómo se calculan las calificaciones crediticias y qué puede hacer para asegurarse de que su informe crediticio sea preciso y esté actualizado.
Uso inteligente del crédito: Un excelente curso para quienes son nuevos en el mundo del crédito y necesitan establecer un historial crediticio, o para quienes están reconstruyendo su crédito y necesitan restablecer un crédito positivo.
Hoja de ruta hacia la libertad financiera: Este curso lo ayuda a comprender el proceso de pago de las deudas de sus tarjetas de crédito a través de un DMP (plan de administración de deudas) de credit.org.
Prevención de la ejecución hipotecaria: Mantenga su vivienda a salvo de una ejecución hipotecaria, conozca sus opciones y actúe con anticipación tan pronto como su hipoteca esté en mora.
Para obtener enlaces a todos estos cursos en línea gratuitos, consulte nuestra Academia FIT página. También puede descargar libros de trabajo en PDF gratuitos para estos cursos y más en nuestro descargas página.
Article written by
Melinda Opperman
Melinda Opperman es una educadora excepcional que vive y respira la creación e implementación de formas innovadoras de motivar y educar a los miembros de la comunidad y a los estudiantes sobre la educación financiera. Melinda se unió a credit.org en 2003 y tiene más de dos décadas de experiencia en la industria.