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Since 1974, we've helped people take control of their finances. As a HUD-approved agency, we offer expert housing, debt, and credit counseling to help you buy a home, manage debt, and build financial stability.
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Reverse Mortgage
Reverse Mortgage Academy
Learn how a reverse mortgage may be right for you.Try our free course.
Reverse Mortgage Counseling (HECM & Proprietary)
Turn your home equity into retirement security through the required course.
Reverse Mortgage Default
Turn your home equity into retirement security through the required course.
Housing Counseling
Pre-Purchase & HOEPA Counseling
Understand loans, meet HOEPA rules, and prepare to buy your home confidently.
Home Buyer Readiness
Evaluate your mortgage readiness and plan for a successful home purchase.
Foreclosure Assistance
Explore options, manage finances, and protect your home with tailored support.
Rent4Success
Rent4Success helps you build confidence to become a qualified renter.
Credit Counseling
Credit Building
Get expert help to bounce back.
Improve Credit Score
Better credit means better opportunities, let’s raise your score.
Credit Report Review
Spot errors, fix them, and take control of your future.
Debt Counseling
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Debt Management Program
Get a smart plan to cut costs and pay off debt faster.
Bankruptcy
Know your options and rebuild with expert guidance.
Student Loans
Get expert strategies to manage debt and regain financial freedom.
Disaster Recovery
Get expert help to regain financial loss during a disaster.
Distressed Renter
Resources and support for renters facing financial strain
Education & Resources
Explore expert financial education and resources to master credit, debt, and housing decisions for long-term success
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Financial Guides
Financial Instructional Training (FIT)
Budget 101
Learn to save, spend smart, and take control of your finances.
Wise Use of Credit
Smart credit habits to build a stronger score.
Budget 911
Learn about quick fixes to get your budget back on track fast.
Preventing Foreclosure
Learn how to keep your home safe and secure.
Roadmap to Financial Freedom
Clear steps to ditch debt and build wealth.
Power to Paycheck Planning
Make every paycheck work harder for you.
Indentity Theft Prevention
Protect your money from fraud and scams.
Understand Your Credit Report
Decode your credit and fix mistakes fast.
Financial Resources
Home Buyer Classes
Learn the steps to buy a home with expert-led classes.
Home Buyer Courses
Take in-depth courses to prepare for homeownership.
Downloadable Financial Guides
Easy-to-follow guides to help you manage money smarter.
Downloadable Financial Resources
Access tools and resources to improve your financial future.
Financial Calculators
Crunch the numbers and plan your financial goals.
Financial Education Videos
Watch expert tips online about credit, debt, and housing.
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Explore blogs that break down credit reports and offer tips to boost your score and financial awareness.
Debt Relief
Discover blog content focused on debt reduction strategies, budgeting tips, and real-life solutions to manage debt.
Student Loans
Get the latest insights on student loan repayment, forgiveness programs, and managing education-related debt.
Housing Blogs
Homeownership
Find helpful blog posts for first-time buyers and current homeowners on budgeting, planning, and navigating challenges.
Reverse Mortgage
Explore blogs that explain reverse mortgages, how they work, and how they may fit into your retirement goals
Foreclosure Prevention
Stay informed with blogs offering tips to avoid foreclosure, understand your rights, and protect your home.
Rental
Browse blog content about renting, avoiding scams, understanding leases, and managing rental costs effectively.
Financial Protection Blogs
Protecting Privacy
Read blogs about protecting your financial and personal information while navigating financial decisions.
Personal Finance
Explore practical blog articles on saving, budgeting, and creating a financial plan that fits your lifestyle.
Asset Protection
Explore blogs on identity theft, insurance, scams, and digital security to help you safeguard your personal and financial well-being.
Schedule Your Appointment
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Schedule Your appointment
800-431-8157
Services
Services We Offer
Since 1974, we've helped people take control of their finances. As a HUD-approved agency, we offer expert housing, debt, and credit counseling to help you buy a home, manage debt, and build financial stability.
Learn more about Credit.org
Reverse Mortgage
Reverse Mortgage Academy
Reverse Mortgage Counseling (HECM & Proprietary)
Reverse Mortgage Default
Housing Counseling
Pre-Purchase & HOEPA Counseling
Home Buyer Education
Foreclosure Assistance
Rent4Success
Debt Counseling
Debt Relief
Debt Management Programs
Bankruptcy
Student Loans
Disaster Recovery
Distressed Renter
Credit Counseling
Credit Building
Improve Credit Score
Credit Report Review
Education & Resources
Explore expert financial education and resources to masteer credit, debt, and housing decisions for long-term success
Explore Solutions
FIT Academy
Budget 101
Budget 911
Roadmap to Financial Freedom
Power to Paycheck Planning
Indentity Theft Prevention
Understand Your Credit Report
Wise Use of Credit
Preventing Foreclosure
Financial Resources
Home Buyer Classes
Home Buyer Courses
Downloadable Financial Guides
Downloadable Financial Resources
Financial Calculators
Financial Education Videos
Partnerships
Blogs
Explore expert blogs on credit, debt, housing, budgeting, and money management, everything you need to make smarter financial decisions and build a stronger future.
View all blogs
Credit & Debt Relief
Credit Cards
Credit Reports & Scores
Debt Relief
Student Loans
Housing Blogs
Homeownership
Reverse Mortgage
Foreclosure Prevention
Rental
Financial Protection Blogs
Protecting Privacy
Personal Finance
Asset Protection
Schedule Your appointment
800-431-8157
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Personal Finance Blog
Catch up on the latest Credit.org news and personal finance trends. Find your financial freedom and partner with our experts by reading the latest in personal finance advice and tips!
Homeownership
Steps to Buying Your First Home: A Comprehensive Guide
by Melinda Opperman
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Reverse Mortgage
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