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 Stability with Our Debt Management Program
Struggling with overwhelming debts?
Credit.org’s debt management program is designed to offer you relief from debt. Benefit from our structured approach and expert guidance to systematically reduce your debts and regain financial control fast. Take the first step towards a brighter financial future with our comprehensive debt management program.
Our debt management program excels in creating customized debt management plans tailored to your unique financial situation. We analyze your debts and design a plan that optimizes debt repayment, reduces interest rates, and consolidates payments.
Financial Analysis and Budgeting Assistance
Gain financial clarity with our comprehensive analysis and budgeting support. As part of our debt management program, we help you understand your financial standing and create a budget that supports your debt management plan.
Creditor Partnership and Rate Reduction
Benefit from our expertise in creditor relationships. Our debt management program includes working with creditors to potentially lower interest rates and waive fees, making your debt management plan more effective.
Continuous Support and Monitoring
Stay on track with ongoing support. Our debt management program provides continuous monitoring and adjustments to your debt management plan, ensuring you remain aligned with your financial goals.
Ready to start changing your life and become debt-free?
Rely on the expertise of our seasoned professionals. Our team is skilled in various debt relief solutions, making sure your debt management plan is both comprehensive and effective.
Key Features of Our Debt Management Program
Comprehensive Debt Assessment
We start with a thorough assessment of your debts, a cornerstone of our debt management program. This analysis forms the basis of your personalized debt management plan.
Strategic Repayment Planning
Benefit from strategic repayment planning. Our debt management program focuses on creating a repayment strategy that aligns with your financial capabilities and goals.
Pathway to Debt Relief
Our debt management program paves the way for substantial debt relief. We offer a structured, strategic approach to reduce your debt burden effectively and efficiently.
Experience the Benefits of an Effective Debt Management Program
Discover how Credit.org’s debt management program can transform your financial life. With dedicated guidance from our debt counselors and a solid plan, experience a journey towards reducing your debt and achieving financial freedom.
Education and Resources for Your Debt Management Journey
Our debt management program includes a suite of tools and resources. These are designed to support your journey, helping you understand debt dynamics and manage your finances more effectively.
Deepen Your Understanding of Debt Management Plans
Want to Learn More About Debt Management?
Our debt management program offers extensive educational materials, providing insights into the workings of debt management plans and strategies for financial success.