Credit.org was founded in 1974 with a mission dedicated to strengthening and improving the lives and financial well-being of individuals and families by offering counseling and coaching that promote financial wellness, sustainable housing and a healthy economy. Credit.org receives funding by donations and grants from various sources such as mortgage lenders and servicers, government agencies and other non-profit organizations. Although the majority of our services are free, some counseling requires a nominal fee however such fees may be reduced or waived depending on hardship.

Service Fee Format
Credit and Debt
Credit Report Review Varies By phone
In Person
Credit Counseling Free By phone
In Person
Debt Counseling Free*** By phone
In Person
Debt Management Plan Varies By phone
In Person
Student Loan Review Varies By phone
In Person
Housing and Mortgage
Foreclosure Prevention Free By phone
Home Buyer Education & Workshops Varies In Person
Online
Pre-Purchase Counseling (HOEPA) Varies By phone
In Person
Rental Counseling Varies Online & By phone
Reverse Mortgage Varies By phone
In Person
Financial Education
Financial Instructional Training Academy Free Online
Webinars Free Online
Bankruptcy
Pre-petition Bankruptcy Counseling Varies By phone
In Person
Online
Pre-discharge Debtor Education Counseling Varies By phone
In Person
Online
** A joint counseling session cannot be conducted unless both parties are present
*** Some counseling may carry a modest fee