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!
Navigate Financial Hardships with Foreclosure Assistance
Facing foreclosure or unsure if you're at risk?
Foreclosure is the legal process where a lender takes back property due to missed mortgage payments. If you're at risk or currently in foreclosure, we're here to help. Understand the process, explore alternatives like loan modification or repayment plans, and learn how to stop foreclosure.
Credit.org, a nonprofit serving the community since 1974, is dedicated to helping people like you navigate these challenges and find relief.
Central to our foreclosure assistance service is personalized counseling. We provide education to help you understand your options and rights, aiming to prevent foreclosure and protect your home.
Loan Modification and Refinancing Options
We assist you in exploring loan modification and refinancing options as part of our foreclosure assistance service. These solutions can make mortgage payments more manageable, helping to avoid foreclosure.
Assistance with Foreclosure
Our HUD Certified Housing Counselors will help you understand mortgage delinquency and the foreclosure process. We can provide guidance on foreclosure prevention options, how to mitigate negative consequences when keeping the home is not possible or desirable, and how to avoid foreclosure and mortgage modification related scams.
Debt Management and Foreclosure Prevention
A debt management plan may be a solution to assist with avoiding foreclosure. Our foreclosure assistance service offers strategies to management debts and improve your financial stability.
Trust in our experienced certified housing counselors. With a depth of knowledge in foreclosure mitigation, we have a track record of helping homeowners navigate through these challenging situations.
Key Features of Foreclosure Assistance Service
In-Depth Analysis of Your Financial Situation
We begin with a comprehensive analysis of your financial situation, an essential part of our foreclosure assistance service. This helps us identify the best course of action for your unique circumstances.
Access to a Network of Resources
Benefit from our extensive network of resources. Our foreclosure assistance service provides you with various resources and services that can play a crucial role in foreclosure prevention.
Customized Strategies for Home Retention
Our foreclosure assistance service is tailored to meet your specific needs, offering customized strategies aimed at retaining your home and avoiding foreclosure.
Our foreclosure assistance is designed to empower you with knowledge and actionable solutions. We guide you through the process, helping you take control of your situation and secure your home.
Gain access to education and resources through our foreclosure assistance service. We provide educational materials and practical recommendations, equipping you to effectively manage your foreclosure situation
How can you help if I am struggling to pay my mortgage?▼
We can look at your mortgage repayment options and help you make decisions on next steps. Options can include forbearance, repayment, loan modification, deed-in-lieu, short sale, refinance, and possibly reverse mortgage. At Credit.org we can also provide you with information about any available foreclosure prevention programs and resources, as well as provide budgeting and financial counseling to improve your overall financial situation.
Can you stop my foreclosure?▼
We are not attorneys and we cannot stop a lawful foreclosure. However, you may still have the ability to save your home, which is why it's important to speak with a qualified foreclosure counseling specialist as soon as possible.
Is there any cost for foreclosure counseling?▼
Foreclosure prevention counseling is provided for free. There is no cost and no risk to use this service.
Insights into Effective Foreclosure Prevention
Deepen Your Understanding of Foreclosure Solutions
Our blogs offer a wealth of information on foreclosure solutions, equipping you with the knowledge to make informed decisions about your housing future.