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!
Understanding Rental Assistance and Utility Support
Our financial counselors have access to a wide range of resources designed to guide consumers on Section 8 housing choice vouchers, utility cost reduction programs, and more. Our focus is to empower you with the knowledge and resources needed to find the assistance you need, ensuring a more affordable living situation. Learn about important information that can assist you in making informed decisions about your housing situation.
While we do not directly manage rental assistance programs or extend financial aid to renters, our emphasis is on offering guidance and connecting consumers with government resources like HUD, Department of Treasury, or Consumer Financial Protection Bureau. We encourage individuals to explore the following outlets for researching available rental assistance options.
Strategies for Reducing Utility Costs
Learn about vouchers and programs designed to lessen your utility expenses. Our education and comprehensive budget review teaches you the process of identifying the need for utility support, helping you manage your energy bills and monthly expenses more effectively.
Housing Stability with Debt Counselors
Discover how consulting with our debt counselors can offer the dual benefit of providing a comprehensive budget review and the development of a Debt Management Plan (DMP). These steps can be crucial in maintaining housing stability and preventing eviction.
Expert Insights into Preventing Eviction
We can assist you in navigating unforeseen situations, such as a decrease in monthly income, leading to challenges in meeting rent obligations. Our financial counselors prove valuable in assessing options for managing monthly rent in conjunction with other financial responsibilities, and offer education and resources aimed at preventing eviction.
Why Focus on Educational Resources for Rental Assistance?
Our mission is to equip you with the knowledge to navigate rental assistance programs independently. By understanding your options, you can take proactive steps toward securing affordable housing and utility support.
Achieve Certification for Enhanced Housing Opportunities
Rent for Success: Your Pathway to Rental Approval
Our innovative Rent for Success program is designed to prepare you for the rental process, making sure you meet the criteria landlords may require. By participating in Rent4Success, you gain vital knowledge on tenant responsibilities, financial management, and effective communication with landlords. Completing this program can not only boost your rental application but will also equip you with the confidence to engage in the rental market successfully.
Our detailed guides and articles provide extensive information, empowering you to navigate the challenges and opportunities of securing stable, affordable housing.