Nonprofit

Rental Success

Certified

Improve Your Credit with Consumer Credit Counseling

You don't have to face debt alone. Credit.org is a nonprofit credit counseling agency that has helped millions of families pay off debt, improve their credit, and build lasting financial stability since 1974. Our certified counselors will review your full financial picture and create a personalized plan - at no cost to you.

HUD-Approved Housing Counseling Agency

NFCC Member

501(c)(3) Nonprofit

Why act now

Consumer Credit Counseling can help you achieve creditworthiness

  • Regain Control, Eliminate Debt

    Our certified credit counselors will review your credit card debt, interest rates, and monthly expenses to build a personalized debt management plan designed to lower your payments, reduce interest costs, and establish a clear path to becoming debt-free.
  • Make Progress, Boost Credit

    Your credit score affects your interest rates, loan options, and financial opportunities. Your counselor will walk through your credit report with you, identify what's impacting your score, and give you a step-by-step plan to improve it.
  • Gain Confidence, Master Credit

    We guide you through available assistance programs and help you make the most of your income so you can rebuild your life, protect your home, and feel financially secure again.
Your journey

Step-by-Step

Credit Building Process

  • Step 01

    Start With a Free Credit Card Debt Review and Budget Consultation

    Your certified counselor will review your debts, interest rates, income, and expenses to understand your financial situation and explain your best options—no judgment or obligation.
  • Step 02

    Analyze Debt, Interest Rates, and Spending to Find Opportunities

    We analyze your debt, interest rates, and spending to identify ways to lower payments, reduce interest, and pay off debt faster.
  • Step 03

    Create a Personalized Credit Card Debt Repayment and Relief Plan

    Your counselor will create a personalized debt management plan that may lower interest rates, combine payments, and help you pay off debt faster.
  • Step 04

    Receive Support, Tools, and Education to Stay Debt-Free

    Get ongoing tools, resources, and counselor support to build healthy financial habits and stay on track after paying off debt.
  • Start Your Credit Counseling Journey

    Get personalized guidance to reduce debt and build a stronger financial future.

No Obligation

No Pressure

Tools & resources

Credit Tools Made

to Help You

Access free guides, calculators, and templates designed to strengthen your
rental application and protect your rights.

Credit Payoff Calculator

See how fast you can eliminate credit card debt and free up cash.
Calculator

Credit Score Tracker

Monitor your score changes and understand what drives them.
Interactive

Budgeting 101 Course

Learn the fundamentals of smart money management for free.
Course

Credit Blogs

Expert articles on credit reports, scores, and building strategies.
Resource
Ready to Take Control of Your Credit?

Use our credit tools and resources, or speak with a certified counselor for personalized guidance.

Financial tools

Explore reverse mortgage estimates with guidance

Use our educational calculator to better understand how home value, available equity, interest rates, and loan costs may affect a reverse mortgage estimate. These numbers are examples only and should be reviewed with a certified housing counselor.

  • Smart Retirement Planning

    See how a reverse mortgage could impact your long-term financial security and provide extra cash flow when you need it most.
  • Clear Financial Insights

    Understand how much equity you can access and how it could supplement your retirement income.
  • Personalized Loan Estimates

    Get a tailored breakdown of potential loan amounts, interest rates, and repayment scenarios based on your home's value.
Explore Educational Calculator

Always Free

No Obligation

Confidential

For Educational Guidance

  • Estimated Home Value

    Based on market data
$425,000
Sample estimate - actual values vary

Estimated Available Equity

~$210,000

Estimated Monthly Payment Option

~$1,050

Interest Rate Range

6.5% - 7.2%
These are sample estimates for illustration only. Speak with a certified counselor for accurate figures based on your situation.
Want personalized guidance?

Speak with a certified housing counselor to review your situation, questions, and next steps.

Common questions

Rent4Success FAQs

Common questions about rental readiness and counseling.
What Credit Score Do I Need to Rent?

Requirements vary by landlord and location, but most look for scores of 620 or above. Your counselor helps you understand your current score and how to improve it if needed.

What If I Have an Eviction on My Record?

While an eviction can make renting more challenging, it does not make it impossible. Your counselor helps you address this proactively and present your strongest application.

How Much Income Do I Need to Qualify?

Most landlords look for gross monthly income of at least 3 times the monthly rent. Your counselor helps you calculate your qualification range and plan accordingly.

Is Rent4Success Counseling Free?

Yes, there is a cost of $80, which includes a counseling session and a certificate of completion.

What Documents Do I Need for a Rental Application?

Typically you need pay stubs, bank statements, photo ID, references, and sometimes a rental history report. Your counselor helps you prepare everything in advance.

How Long Does the Rent4Success Counseling Take?

A typical session runs 45 to 60 minutes. You will leave with a personalized rental readiness plan, a clear understanding of what landlords look for, and actionable steps to strengthen your application.

Still have questions?

Speak with a certified counselor for personalized rental guidance.
Take the next step

Ready to become

a successful renter?

Speak with a certified counselor for personalized rental readiness guidance and a clear plan for success.

Private & confidential

Educational guidance

HUD-approved agency

No lender sales pressure

50,000+
People helped yearly
Trusted guidance from certified housing counselors
50+
Years of experience
Helping homeowners make confident, informed decisions
4.9/5
Client satisfaction
Based on thousands of counseling sessions