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!
As President and CEO of Credit.org, Cyndi Williams provides visionary leadership, guiding the organization’s mission, vision, and goals. With over 26 years of experience, she ensures operations align with core values, continuously improving services and identifying growth opportunities.
Under Cyndi's leadership, Credit.org provides clients with reliable services that empower them to achieve financial stability and long-term success.
Chief External Affairs Officer
Melinda Opperman
Melinda Opperman serves as Chief External Affairs Officer at Credit.org, responsible for national financial literacy education initiatives, public relations, integrated communication strategies, and managing relationships with media, grant funders, lenders, creditors, policymakers, auditors, and accreditation entities.
Leading HUD-approved housing counseling programs, Melinda ensures Credit.org’s consumers access expert guidance and resources for financial stability and housing security.
Chief Innovation Officer
Robin Hillary
Robin Hillary, as Chief Innovation Officer at Credit.org, develops and implements innovative technologies that connect financial institutions, housing sectors, and other critical service providers with the Low-to-Moderate Income (LMI) community.
By creating new revenue models and fostering sustainability, Robin ensures that Credit.org’s consumers benefit from cutting-edge solutions and long-term organizational growth that supports their financial well-being.
Vice President of Operations
Michelle Taylor
As Vice President of Operations at Credit.org, Michelle Taylor ensures that operational benchmarks are consistently met, aligning services with the organization’s mission to empower individuals through financial education, debt relief, and homeownership counseling.
Under Michelle's leadership, clients receive personalized credit counseling and tailored support, helping them achieve financial security and long-term stability.
Vice President of Data & Infrastructure
Ryan Hoskins
As Vice President of Data & Infrastructure at Credit.org, Ryan Hoskins leads the organization’s technology initiatives, ensuring innovative solutions, enhanced cybersecurity, and optimized IT operations.
Under Ryan's direction, Credit.org’s technological infrastructure supports the organization’s mission, providing clients with secure and reliable services that empower them to achieve financial stability and long-term success.