Discover the Amazement of Financial Freedom!

Facing financial hardship?
We Can Help You With

Debt Relief

Credit Building

Housing Assistance

Asset Protection

Asset Protection
Get Started Now
How we Can Help

Explore Your Financial Options

Get Out of Debt

Our debt counseling and financial counseling services are designed to empower you on your path to financial success. Call now to receive free counseling and start building a brighter future!

Build Your Credit

Access Credit.org's expert counselors to navigate credit complexities, boost ratings, manage debt, and make informed financial choices.

Keep or Own a Home

If you are facing home foreclosure or are a renter having trouble making your payments, contact our HUD Certified Housing Counselors to help you understand your assistance program options.

Protect Your Future

Obtain your personalized financial counseling from us. We go beyond advice, educating homeowners on reverse mortgages and the importance of a well-crafted will and trust. We provide unbiased guidance to help you make confident decisions and protect your future.
Let's Begin

Your Journey to Financial Freedom

image to illustrate Credit.org's initial financial assessment and counseling step.
Stage 1:
Initial assessment
and counseling
Client Assessment: Evaluating the client's financial situation, including unsecured debt, debt-to-income ratio (DTI), credit history, and budget management skills.

Credit and Debt Counseling: Providing personalized counseling, budget creation, and a financial action plan.
money with an upwards error to signal wealth growth with debt reduction.
Stage 2:
Debt reduction
and budgeting
Debt Reduction: Implementing strategies like negotiation, repayment schedules, and debt management.



Budget Development: Creating a household budget that allows for savings and debt repayment.
credit score gauge that illustrates client credit building and improvement with Credit.org's credit counseling service.
Stage 3:
Credit building
and improvement
Credit Improvement Strategies: Guiding clients on improving credit scores through dispute resolution and consistent payments.



Credit Education: Offering resources to understand credit utilization and the importance of credit inquiries.
an image of a vault that represents the client building their savings as a financial goal with Credit.org.
Stage 4:
Savings
and financial goals
Savings Plan: Initiating savings for a home down payment and closing costs.



Financial Goal Setting: Establishing clear goals with a timeline for becoming a homebuyer.
a computer image that illustrates continuous tracking and follow up digitally available for the client wanting to get out of debt or preparing for homeownership.
Stage 5:
Continuous monitoring
and follow-up
Ongoing Counseling: Regular follow-up sessions to track progress and address new challenges.



Milestone Tracking: Monitoring achievements like reaching a target credit score and saving for a down payment.



Preparation for Homeownership: Preparing for homeownership through education and mortgage options.

Where Financial Freedom Begins

Where financial freedom begins

Start Today
image to illustrate Credit.org's initial financial assessment and counseling step.
Stage 1:
Initial assessment
and counseling
Client Assessment: Evaluating the client's financial situation, including unsecured debt, debt-to-income ratio (DTI), credit history, and budget management skills.

Credit and Debt Counseling: Providing personalized counseling, budget creation, and a financial action plan.
money with an upwards error to signal wealth growth with debt reduction.
Stage 2:
Debt reduction
and budgeting
Debt Reduction: Implementing strategies like negotiation, repayment schedules, and debt management.



Budget Development: Creating a household budget that allows for savings and debt repayment.
credit score gauge that illustrates client credit building and improvement with Credit.org's credit counseling service.
Stage 3:
Credit building
and improvement
Credit Improvement Strategies: Guiding clients on improving credit scores through dispute resolution and consistent payments.



Credit Education: Offering resources to understand credit utilization and the importance of credit inquiries.
an image of a vault that represents the client building their savings as a financial goal with Credit.org.
Stage 4:
Savings
and financial goals
Savings Plan: Initiating savings for a home down payment and closing costs.



Financial Goal Setting: Establishing clear goals with a timeline for becoming a homebuyer.
a computer image that illustrates continuous tracking and follow up digitally available for the client wanting to get out of debt or preparing for homeownership.
Stage 5:
Continuous monitoring
and follow-up
Ongoing Counseling: Regular follow-up sessions to track progress and address new challenges.



Milestone Tracking: Monitoring achievements like reaching a target credit score and saving for a down payment.



Preparation for Homeownership: Preparing for homeownership through education and mortgage options.

Personal
Financial Education

Image of financial education books with a graduation hat on top illustrating having completed the financial classes.
Education & Classes
Online free personal finance classes are open to the public without any need to register.
Start Learning
financial calculator with a chart and money to illustrate financial resources will increase wealth building.
Financial Resources
Manage your personal finances with the help of our free online tools that available 24/7.
Explore Resources
WHY US

Options to Paying Off Credit Card Debt

If current credit card debt
$15,000
Pay the minimum balance
$44,104
365 months
to payoff debt
$29,112
interest accrued
Qualify for a personal loan (debt consolidation)
$26,416
60 months
to payoff debt
$11,416
interest accrued
$26,416
total payment
Debt Management Plan with Credit.org
$18,758
60 months
to payoff debt
$3,754
interest accrued
$25,346
potential savings
Get free consultation
If current credit card debt
$15,000
Pay the minimum balance
$44,104
365 months
to payoff debt
$29,112
interest accrued
Qualify for a personal loan (debt consolidation)
$26,416
60 months
to payoff debt
$11,416
interest accrued
$26,416
total payment
Debt Management Plan with Credit.org
$18,758
60 months
to payoff debt
$3,754
interest accrued
$25,346
potential savings
Get free consultation
Proud Member Of
Better Business Bureau (BBB)
Accredited by the Better Business Bureau (BBB). Since 1983, we have maintained our A+ rating with the Better Business Bureau and take it seriously.
Council on Accreditation
The Council on Accreditation (COA). Credit.org undergoes an extensive review process by an independent review group to make sure we provide the best possible nonprofit services to the community.
Department of Housing and Urban Development (HUD)
The Department of Housing and Urban Development is the Federal agency responsible for national policy and programs that address America's housing needs, that improve and develop the Nation's communities, and enforce fair housing laws.
National Foundation for Credit Counseling
Member of the National Foundation for Credit Counseling (NFCC). The National Foundation for Credit Counseling promotes the national agenda for financially responsible behavior, financial educations, and consumer credit counseling services.
About us

Why Choose Credit.org?

Credit.org is a non-profit organization formed in 1974 with a mission to provide consumers with the financial education and debt relief options needed to ensure they are on the right path to financial freedom.
Testimonials

Real Stories, Real Results!

image of a female client that has left a review for her financial counseling session with Credit.org.
"The process was as smooth as could possibly be expected. Ebony was very knowledgeable, professional and helpful."
image of a female client that has left a review for her financial counseling session with Credit.org.
Norris White
September 2023
image of a female client that has left a review for her reverse mortgage counseling session with Credit.org
"We feel we were given a wealth of knowledge to be able to move forward with confidence in obtaining a Reverse Mortage."
image of a female client that has left a review for her reverse mortgage counseling session with Credit.org
Kathryn N
August 2023
image of a male client that has left a review for his housing counseling session with Credit.org.
"Excellent effort on building up a knowledge-based module to help orient first time home buyers on critical thinking and understanding the housing jargons."
image of a male client that has left a review for his housing counseling session with Credit.org.
Jeorge U
November 2023
image of a female client that has left a review for her financial counseling session with Credit.org.
"The process was as smooth as could possibly be expected. Ebony was very knowledgeable, professional and helpful."
image of a female client that has left a review for her financial counseling session with Credit.org.
Norris White
September 2023
image of a female client that has left a review for her reverse mortgage counseling session with Credit.org
"We feel we were given a wealth of knowledge to be able to move forward with confidence in obtaining a Reverse Mortage."
image of a female client that has left a review for her reverse mortgage counseling session with Credit.org
Kathryn N
August 2023
image of a male client that has left a review for his housing counseling session with Credit.org.
"Excellent effort on building up a knowledge-based module to help orient first time home buyers on critical thinking and understanding the housing jargons."
image of a male client that has left a review for his housing counseling session with Credit.org.
Jeorge U
November 2023
an envelope that represents that email that subscribers to nonprofit financial education newsletters.

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What You Didn’t Know About Finances