CREDIT.ORG

Unlock Financial Freedom With Credit Counseling

Looking to build or improve your credit?
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Credit.org’s nonprofit certified credit counselors specialize in consumer credit counseling, offering you insights, strategies, and guidance tailored to your unique financial situation. Embark on a journey towards improved credit health and financial freedom.
Get Started Now1 (800) 431-8157
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What Can Consumer Credit Counseling Do For You?

Confidential Credit Counseling

We're here to help, not judge. Our credit counseling service is confidential, providing a supportive environment for open discussions with our credit counselors about your financial trouble and financial goals.

In-Depth Credit Analysis

Understanding your entire financial situation is the first step. Our certified credit counselor provides you an in-depth analysis of your credit report, highlighting areas of improvement and potential pitfalls.

Tailored Debt Management Plan

Address your credit card debt head-on with a debt management plan. We craft a tailored debt management plan aimed to reduce your credit card debt, make monthly payments more manageable, and improving your credit score.

Financial Education Guides

Boost your credit knowledge. Our credit counseling service empowers you with essential credit card education, ensuring you make informed decisions to maintain and improve your financial situation.
Learn How to Improve Your Credit, Call Us Today!
Get Started Now1 (800) 431-8157
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Feel Better About Your Personal Finance

Why Pick Credit.org's Consumer Credit Counseling?

Dealing with debt can be stressful. We help you feel more in control and less stressed about your financial life. With our help, you'll see a clear way to tackle your credit card debts. Each step you take with us gets you closer to being debt-free.

Specialized Areas Within Credit Counseling

Credit Report Analysis

Uncover the details of your credit report. From identifying inaccuracies to understanding factors affecting your score, we provide a thorough analysis.

Working with Debt Collectors

We can advocate on your behalf, working with your creditors for reduced interest rates via a debt management plan.

Credit Building Strategies

We offer strategies and advice tailored to building a strong credit foundation for the future.
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Deep Dive into Nonprofit Credit Counseling

Experience the Impact of a Professional Nonprofit Credit Counseling Agency

Credit challenges can be transformed into opportunities. Learn how Credit.org’s nonprofit credit counseling service equips you with free educational materials, tools, and knowledge to turn the tide. With expert guidance, a future of robust credit health and financial stability awaits. Discover how our consumer credit counseling sets the stage for this transformation.
Read Our Success Stories
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Go From Being in Debt to Financial Freedom

Financial Tools for Better Debt Management

Armed with the right tools, managing and improving your credit becomes a seamless task. Effective budget counseling is key to credit health. Our resources and tools guide you in allocating funds wisely, reducing debts, and positively impacting your credit score.
Explore Our Resources

Consumer Credit Counseling Frequently Asked Questions

FAQ Accordion

How Does Consumer Credit Counseling Work?▼

To prepare for your consumer credit counseling session, gather recent pay stubs, bank statements, creditor statements (loans and credit cards), and utility bills. In your session, a counselor will review your financial situation, help you understand your options, and create a personalized action plan. You'll learn how to manage your debt, budget effectively, and improve your credit score. More information is always better than less to ensure a thorough review.

Will credit counseling stop legal action and creditor phone calls?▼

We can usually work with creditors to stop collection efforts and minimize legal actions, but the best way to stop creditor calls is to make full, on-time payments. Our debt management plan can help you do that.

What does a credit counselor do during my counseling session?▼

Our counseling sessions are entirely confidential; a counselor will go over your personal finances and offer expert advice that is tailored to your unique situation. We will help you create a spending plan to cover all of your payments to your creditors, as well as your regular living expenses.

If I need legal advice, can a credit counselor help?▼

No. We do not offer legal advice of any kind. We recommend seeing a qualified attorney for help with legal issues.

How do I obtain a copy of my credit report?▼

Visit www.annualcreditreport.com, where you can get free copies of your credit reports. We do not recommend paying extra for your credit score at this site. If you need a copy of your score, make sure you are getting your genuine FICO score; you will incur a fee.
Get Your Questions Answered

Want to Learn More About Credit Counseling?

We have lots of credit blogs to help you understand your credit and achieve financial freedom.
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Credit.org is not a loan company. We do not loan / lend money.
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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.

Credit.org is not a credit repair company.
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Credit.org does not offer credit repair services. Our focus is on providing educational resources, counseling, and support to help individuals improve their financial health and achieve their homeownership goals. We do not engage in activities that promise to remove or alter negative credit information from credit reports.
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