• 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
      • Get First-Time Home Buyer Coaching
        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
      • Take Our Mortgage Readiness Quiz
        Homeownership is more affordable than you may think. See how much home you can afford with our Mortgage Calculators and Mortgage Readiness Quiz.
        find out more
      • Foreclosure Help & Mortgage Assistance
        Work with our HUD approved housing 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
      • 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

  • Resources:
    • Education & Classes
    • Educational Articles
    • Financial Resources
    • Español
    • English
  • 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
    • Get First-Time Home Buyer Coaching
      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
    • Take Our Mortgage Readiness Quiz
      Homeownership is more affordable than you may think. See how much home you can afford with our Mortgage Calculators and Mortgage Readiness Quiz.
      find out more
    • Foreclosure Help & Mortgage Assistance
      Work with our HUD approved housing 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
    • 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
  • Education & Classes
  • Educational Articles
  • Financial Resources
  • Español
  • English

Start Credit Counseling Online


Fill out my online form.

Talk to a Coach
for Free


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

* Fields are required

By clicking Send below, you agree to our terms.

Upcoming Events

Recent News


Apr

05

Financial Literacy Month 2021: Free assistance, education, and resources

Every year, April is National Financial Literacy Month. As an organization dedicated to spreading financial literacy and education, we honor this yearly event with workshops & seminars, educational materials, and a continuing commitment to helping people learn to better manage their money. Financial Literacy Month has been around for over 2 decades. It was originally...Read More read more

Mar

29

Your College Acceptance Letter Arrived. Now what?

Prospective college students should expect to be getting acceptance letters throughout the next couple of months. By April, you should have a very good idea which schools have said yes, and you (or your kids) will have some big decisions to make. Recent experience has taught us that paying for college has big, life-long consequences....Read More read more

Mar

22

6 Tips to Get Your Tax Return & Stimulus Check Early

We’re well into tax season now, and there are some fiscally sound ways to handle your taxes that we always advocate. But this year is special, and deserves extra attention. Many people are still waiting for stimulus money that may not have been paid out yet. To ensure you get the next stimulus check, be...Read More read more

footer-logo

Information

Credit.org is NOT A LOAN COMPANY. WE DO NOT LOAN 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

About Us

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

Services and Resources

  • Services We Offer
  • Employee Assistance
  • Service Fees
  • COVID-19 Pandemic Assistance
  • Financial Seminars & Events
  • 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)