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!
Using credit wisely can unlock financial freedom. This guide helps you avoid pitfalls, improve your credit score, and manage debt. You’ll be surprised how empowering smart credit management can feel.
Holiday spending doesn’t have to bring stress. Learn how to budget for gifts, travel, and celebrations without worry. Enjoy the season without financial strain, plan now and make this your best holiday yet.
A loan denial can feel like a setback, but it’s an opportunity to improve. Learn why it happened and how to strengthen your next application. Persistence is key, you’re closer to approval than you realize.
Planning for your financial future doesn’t have to be overwhelming. With tips on budgeting, saving, and investing, you’ll feel confident and in control. It’s about securing what matters, why not take action today?
Using credit wisely can unlock financial freedom. This guide helps you avoid pitfalls, improve your credit score, and manage debt. You’ll be surprised how empowering smart credit management can feel.
Buying a car doesn’t have to be stressful. This guide helps you navigate financing and negotiations to get the best deal. You deserve a smooth car-buying experience, let’s drive toward that goal together.
Preserving Homeownership and Foreclosure Prevention
This guide will show you what options are available if your mortgage becomes delinquent, you are facing foreclosure, or you are facing a mortgage interest reset which you can no longer afford.
Money talks don’t need to lead to conflict. This guide helps you and your partner align on financial goals and avoid common problems. Imagine achieving your dreams together, start those conversations today.
Confused by your credit report? You’re not alone. This guide breaks it down, helping you spot errors and improve your score. Understanding your credit opens doors to better opportunities, let’s unlock them together.
Good credit opens up financial opportunities. This guide shows you how to manage credit responsibly and improve your score. Give yourself more options, let’s boost your credit together starting now.
Financial emergencies can feel overwhelming, but a smart plan can help you stay calm. This guide offers tips to prioritize expenses and avoid disaster. Let’s work together to bring your finances back on track.
Budgeting can be simple and stress-free. This guide helps you create a plan that fits your life and keeps you on track. It’s about control over your future, start making your budget work for you today.
Make your paycheck work harder for you. Learn how to save more, spend wisely, and reach your goals faster. With just a few tweaks, you’ll feel more in control of your money and your future. Let’s get started today.
Learn about mortgage basics, credit score improvement, down payment strategies, and navigating the buying process. Gain insights on selecting the right property and avoiding common pitfalls. Download now to turn your homeownership dreams into reality.
Losing a job is tough, but it doesn’t have to define your financial future. This guide gives you real steps to stay afloat and rebuild. You’ve got the strength to come out stronger, start taking control today.
Protecting your identity doesn’t have to be hard. This guide provides easy steps to keep personal data safe. In today’s world, security is peace of mind, take action today and protect what matters most to you.
Teaching kids about money sets them up for life. This guide helps you pass on valuable skills to your children. Empower them with the knowledge to make smart financial choices, start their education today.
Predatory loans can feel like a trap, but you can avoid them. Learn how to spot and stay clear of high-interest loans. Protect yourself from setbacks and make smarter decisions for your future starting today.
The holidays can be joyful, even on a budget. Learn how to stretch your money without cutting back on the fun. Plan ahead and celebrate without stress, start planning your holiday budget today.
Saving money doesn’t have to be hard. Use these couponing tips to keep more cash in your pocket without spending hours cutting coupons. A few small changes can make a big difference, let’s start saving today.
Once you’ve calculated your income, expenses, and debts, you’re ready to propose your first detailed budget. This worksheet will help you lay out how your monthly spending should look.
This worksheet will help you dive deeper into your debts and help you calculate exactly what your debts are costing you monthly as you set out to create a working budget.
Regular tracking is critically important to having a successful budget. This sheet will help you keep track of every transaction going in and out of your bank account, and give you the detailed information you need to make your budget effective.
Start your journey to better personal finances with an assessment of where you stand. Use this form to calculate your assets and liabilities to establish your current net worth.