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.
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!
Achieve Financial Mastery with Credit Score Education
Looking to understand and improve your credit score?
Credit.org’s credit score education service is designed to demystify credit ratings. With expert guidance and tailored strategies, we offer insights and practical knowledge to enhance your credit score knowledge and achieve financial mastery. Begin your journey towards credit proficiency and empowered financial decision-making with our educational service.
Every credit journey is unique. Our service provides personalized learning experiences, focusing on your specific credit situation and goals. Gain the knowledge you need to navigate your credit landscape with confidence.
Comprehensive Credit Score Analysis
Understanding the nuances of your credit score is crucial. We offer a detailed analysis of your credit report, highlighting key factors that influence your score and areas for potential improvement.
Proactive Credit Improvement Strategies
Elevate your credit score with actionable strategies. From credit-building techniques to smart financial habits, we equip you with the tools to actively improve your credit rating.
Interactive Credit Education Resources
Engage with a variety of educational resources. Our interactive tools and materials make learning about credit scores both informative and enjoyable, ensuring you grasp the essentials of credit management.
Benefit from the expertise of seasoned credit professionals. Our team provides continuous support and guidance, ensuring your credit education journey is successful.
Specialized Areas in Credit Score Education
In-Depth Credit Report Insights
Dive deep into your credit report. We teach you how to interpret report details and recognize factors impacting your score, giving you a comprehensive understanding of your credit history.
Effective Credit Building Methods
Whether you're starting from scratch or rebuilding your credit, we provide proven methods and advice for establishing a solid credit foundation for your future.
Strategic Credit Utilization Techniques
Our guidance helps you strategically use credit to your advantage while avoiding common pitfalls that negatively impact your score.
Experience Financial Transformation with Credit Score Education
Transform your credit understanding into effective action. Our credit score education service equips you with essential tools and knowledge for a great credit profile and financial health. Learn how our service can revolutionize your approach to credit management.
Essential Resources for Effective Credit Management
Armed with the right knowledge and tools, managing and improving your credit becomes straightforward. Our resources guide you in making informed financial decisions, positively impacting your credit score.