Skip to main content
  • Options:
    • Credit Building
      • Get Free Credit Counseling
        Working with a credit coach will help you pay off debt fast and manage your personal finances more efficiently. Our free credit advice is personalized to your unique situation.
        find out more
      • Credit Score Education
        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.
        find out more
      • Review Your Credit Report
        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 coaches will guide you through your credit report, answer questions, and give personalized guidance towards improving your score.
        find out more
      • Free Online Budgeting Tools
        Credit.org provides access to tools that allow you to pay off debt and access a financial goal planner. Use these FREE tools to break free from debt and take the first step toward achieving your financial goals.
        find out more
    • Debt Relief
      • Get Free Debt Counseling
        Debt is common and manageable. Our certified financial coaches are standing by ready to answer your questions, provide guidance, and help you reach your financial goals. Speaking to one of our certified debt coaches is completely free. Our coaches will be able to review all of your options for getting out of debt and guide you toward the best path forward.
        find out more
      • Debt Management Programs & Plans
        A financial coach 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.
        find out more
      • Debt Settlement Solutions & Programs
        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 coaches will help you assess if debt settlement is the best debt resolution option for you.
        find out more
      • Filing for Bankruptcy
        Credit.org is an Executive Office for United States Trustees ‘EOUST‘ approved agency. Our experienced financial coaches work with people in all stages of their financial life, including the challenging decision of bankruptcy. Our coaches can help you obtain the certificate you need to file for bankruptcy or discharge debts in bankruptcy.
        find out more
    • Housing Assistance
      • Foreclosure Help & Mortgage Assistance
        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.
        find out more
      • Reverse Mortgage Counseling
        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.
        find out more
      • Pre-Purchase and HOEPA Counseling
        Our award-winning coaches 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.
        find out more
      • Online Classes for First-Time Home Buyers
        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.
        find out more
      • Rental Counseling
        If you are seeking guidance when it comes to renting, call us to speak with one of our HUD Certified Counselors who will help you develop a budget, determine what your rent affordability is, help you find rental assistance, educate you on Fair Housing laws, and teach you how build a tenant-landlord relationship.
        find out more
  • Resources:
    • Education & Classes
    • Educational Articles
    • Financial Resources
    • Español
    • English
Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
post
page
Filter by Categories
Debt Busters
FIT Academy
HomeOwnership.org
  • Get Started Now
  • 1 (800) 431 – 8157
Credit.org
  • Credit Building
    • Get Free Credit Counseling
      Working with a credit coach will help you pay off debt fast and manage your personal finances more efficiently. Our free credit advice is personalized to your unique situation.
      find out more
    • Credit Score Education
      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.
      find out more
    • Review Your Credit Report
      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 coaches will guide you through your credit report, answer questions, and give personalized guidance towards improving your score.
      find out more
    • Free Online Budgeting Tools
      Credit.org provides access to tools that allow you to pay off debt and access a financial goal planner. Use these FREE tools to break free from debt and take the first step toward achieving your financial goals.
      find out more
  • Debt Relief
    • Get Free Debt Counseling
      Debt is common and manageable. Our certified financial coaches are standing by ready to answer your questions, provide guidance, and help you reach your financial goals. Speaking to one of our certified debt coaches is completely free. Our coaches will be able to review all of your options for getting out of debt and guide you toward the best path forward.
      find out more
    • Debt Management Programs & Plans
      A financial coach 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.
      find out more
    • Debt Settlement Solutions & Programs
      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 coaches will help you assess if debt settlement is the best debt resolution option for you.
      find out more
    • Filing for Bankruptcy
      Credit.org is an Executive Office for United States Trustees ‘EOUST‘ approved agency. Our experienced financial coaches work with people in all stages of their financial life, including the challenging decision of bankruptcy. Our coaches can help you obtain the certificate you need to file for bankruptcy or discharge debts in bankruptcy.
      find out more
  • Housing Assistance
    • Foreclosure Help & Mortgage Assistance
      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.
      find out more
    • Reverse Mortgage Counseling
      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.
      find out more
    • Pre-Purchase and HOEPA Counseling
      Our award-winning coaches 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.
      find out more
    • Online Classes for First-Time Home Buyers
      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.
      find out more
    • Rental Counseling
      If you are seeking guidance when it comes to renting, call us to speak with one of our HUD Certified Counselors who will help you develop a budget, determine what your rent affordability is, help you find rental assistance, educate you on Fair Housing laws, and teach you how build a tenant-landlord relationship.
      find out more
  • Education & Classes
  • Educational Articles
  • Financial Resources
  • Español
  • English

Back to School

Check out these Helpful Tips for more ways to teach your kids smart money management habits as you shop.



Return to view all calculators here ››

owl

Talk to a Coach
for Free

Get advice on options to reduce your debt and improve your credit..

* Fields are required
By clicking “SEND”, you consent to receive telephone calls, texts/SMS, emails and pre-recorded messages from credit.org and its service providers and partners as further described in the link to our Consent and Privacy Policy. Such consent is not a requirement for purchase and standard message rates apply.

Upcoming Events

owlbert

Recent News

May

19

Handling Extra Income – from Tax Refunds to Side Jobs

After tax time is done, there’s always some extra budgeting to do. Whether a taxpayer is scrambling to come up with money they owe the IRS, or they’re figuring out...Read More read more

May

17

Cash for Keys: What is it?

What is Cash for Keys? If foreclosure is imminent, and a lender is considering a deed in lieu of foreclosure “Cash for Keys” may be an option.  Under this arrangement,...Read More read more

May

10

Credit.org Re-Accredited by Council on Accreditation

Nonprofit Counseling Agency Continues to Meet the Highest National Standards Riverside, CA (April 15, 2022) – Credit.org is proud to announce that it has received a three-year re-accreditation by the...Read More read more

footer-logo

Information

Credit.org is NOT A LOAN COMPANY. WE DO NOT LOAN / LEND MONEY.

Credit.org is an independent nonprofit financial counseling agency and is not affiliated with any mortgage, lending or servicing provider. The content, links and resources in this site are presented for informational purposes only and should not be construed as legal or tax advice.

Consent and Privacy Policy

Copyright © credit.org.

Contact Us

  • Call a Coach for Free
  • Apply for Free
  • Contact
  • Sitemap

About Us

  • About Credit.org
  • Key Officers
  • Employment Opportunities
  • Employee Spotlight
  • Press Kit
  • Regulatory Licensing
  • Reviews and Client Testimonials

Services and Resources

  • Government Solutions
  • Services We Offer
  • Employee Assistance
  • Service Fees
  • COVID-19 Pandemic Assistance
  • Financial Classes & Events
  • FIT Academy Resources
  • Educational Videos
  • Educational Guides & Downloads
  • Financial Terms Glossary
  • Unemployment Office Locations
Close

Get The Financial

Advice That Is Right For You

Build Your Credit.
Get Out of Debt.
Own A Home.

One of our Financial Coaches will contact you to discuss the path to reaching your financial goals.

Speak to a Coach Now 800.431.8157
Hours of Operation Monday through Friday 7am to 7pm (Pacific)