Improve Your Credit with Consumer Credit Counseling

You don't have to face debt alone. Credit.org is a nonprofit credit counseling agency that has helped millions of families pay off debt, improve their credit, and build lasting financial stability since 1974. Our certified counselors will review your full financial picture and create a personalized plan - at no cost to you.
Schedule Your Appointment800-431-8695Service Fee
Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.

Consumer Credit Counseling Can
Help You Achieve Creditworthiness

A man seated at a table with cutting a credit card and papers, after participating in a credit counseling session.A man seated at a table with cutting a credit card and papers, after participating in a credit counseling session.

Regain Control, Eliminate Debt

Our certified credit counselors will review your credit card debt, interest rates, and monthly expenses to build a personalized debt management plan designed to lower your payments, reduce interest costs, and establish a clear path to becoming debt-free.

Make Progress, Boost Credit

Your credit score affects your interest rates, loan options, and financial opportunities. Your counselor will walk through your credit report with you, identify what's impacting your score, and give you a step-by-step plan to improve it.
Excited woman celebrating financial progress on computer, showing success in boosting credit with smart money management.Excited woman celebrating financial progress on computer, showing success in boosting credit with smart money management.
Smiling man working on laptop with dog by his side, showing confidence in mastering credit through smart financial planning.Smiling man working on laptop with dog by his side, showing confidence in mastering credit through smart financial planning.

Gain Confidence, Master Credit

Getting out of debt is only part of the goal. Credit.org's counselors give you the financial education and tools to manage credit confidently and stay on track for the long term, because lasting debt relief means staying out of debt, too.

Step-by-Step
Credit Counseling Process

Step 1
Start With a Free Credit Card Debt Review and Budget Consultation

Your certified counselor will review your credit card debt balances, interest rates, income, and monthly expenses to get a clear picture of where things stand. There's no judgment, no sales pitch, and no obligation. Just an honest look at your options.

Step 2
Analyze Debt, Interest Rates, and Spending to Find Opportunities

 A detailed breakdown of your total debt, interest rates, and spending patterns helps identify real opportunities for debt relief, including ways to consolidate payments, reduce interest costs, or address credit card debt more efficiently than you're doing now.

Step 3
Create a Personalized Credit Card Debt Repayment and Relief Plan

Based on your unique situation, your counselor will build a personalized debt management plan. For many clients, this includes enrollment in a Debt Management Program (DMP), which can lower interest rates, consolidate multiple credit card debt payments into one, and create a clear timeline for paying off what you owe.

Step 4:
Receive Support, Tools, and Education to Stay Debt-Free

Paying off debt is one part of the journey. Credit.org also provides ongoing access to budgeting tools, debt tracking resources, and personal counselor guidance to help you build the habits that keep you financially stable long after your plan is paid off. 
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Credit Tools Made to Help You

Managing your finances is easier with the right resources in your corner. Credit.org offers 28 free financial calculators, budgeting guides, financial education videos, and FIT Academy - our free, self-paced online learning platform, all designed to help you tackle debt, improve your credit, and build a stronger financial future.
Explore Our Resources

Credit Counseling FAQs

How Does Consumer Credit Counseling Work?

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A certified Credit.org counselor will review your income, expenses, debts, and financial goals in a confidential one-on-one session. Before your appointment, it helps to have recent pay stubs, bills, and creditor statements handy. Your counselor will then walk you through your debt relief options,  including debt management plans, budgeting strategies, and other pathways, to help you choose the right next step.
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Will credit counseling stop legal action and phone calls?

Once enrolled in a Debt Management Program, many creditors reduce or stop collection activity as long as you stay current on your plan payments. While we can't guarantee all legal action will cease, clients who make consistent on-time payments typically see a significant reduction in creditor contact. Your counselor will set realistic expectations during your session.

What does a credit counselor do during a counseling session?

*Hover over for answer
During your confidential session, your counselor will review your income, monthly expenses, credit card debt, and other financial obligations. They'll explain your options in plain language, answer your questions, and help you build a personalized plan to manage debt and cover your living expenses. Sessions typically run 45 to 60 minutes.

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

*Hover over for answer
Credit counselors are certified financial professionals, not attorneys, and are not able to provide legal advice. If your situation involves creditor lawsuits or bankruptcy proceedings, we recommend consulting a qualified attorney. For the financial side, debt management, budgeting, credit relief, our counselors are here to help.

Dive Into Our Credit Blogs for Deeper Insights

Understanding Credit Counseling: What It Is and How It Works
The Benefits
of Credit Counseling Services
How Credit Counseling Can Help You Manage Debt
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