Get Started With Free Debt Relief Today!

Start today with a FREE debt analysis and talk with one of our financial coaches. Together, we will:

Review your finances
Discuss debt relief options
Create an action plan

Our Purpose

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. Our goal is to provide the financial tools, one step at a time, for our clients to achieve immediate solutions to their debt problems.

Talk to a CoachIt's free of charge

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.

COA

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.

HUD

U.S. Department of Housing and Urban Development (HUD) approved housing counseling agency. To maintain this certification, we keep meticulous records and undergo regular audits.

NFCC

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.

EOUST

Credit.org is approved by the U.S. Department of Justice Executive Office for U.S. Trustees (EOUST) and the U.S. Bankruptcy Administrators of North Carolina and Alabama to provide mandatory pre-filing and post discharge bankruptcy counseling pursuant to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.

ISCUW

The Inland Southern California United Way (ISCUW) advocates for education, financial stability, and housing of every person in our community. Credit.org is honored to receive annual support as an approved ISCUW funded agency.

The Numbers

98%

Satisfied Clients

By taking advantage of our offerings, we have helped consumers reduce or eliminate their debt, improve their credit, and start reaping the benefits that come with improved financial stability.

5.2MILLION+

Sessions Completed

Working with one of our financial coaches will help you pay off debt faster and manage your personal finances more efficiently.

50+

Financial Coaches

Our people improve the lives and financial well-being of individuals and families by providing quality financial education and coaching.

What you didn’t know about finances...

10 Ways to Get Out of Debt Fast

January 11, 2022

Creating your own get-out-of-debt plan truly is possible. With some fundamental changes to your lifestyle, you can get out of debt fast even with a low income. However, turning around…

How Home Ownership Affects Your Credit: It isn’t Just about Your Mortgage

January 9, 2022

When we talk about homeownership, and how that impacts the health of your credit, we’re usually talking about the mortgage loan. And while a mortgage loan is vitally important to…

Credit and Debt

Types of Credit Scores: VantageScore vs. FICO Score vs. Credit Score

January 7, 2022

Here at Springboard, a former client was excited to tell us that her credit score was 723. That’s a respectable score, and much higher than she expected given her credit history. Another consumer who had recently been the victim of identity theft checked her credit and was ecstatic to learn that her score was right at 800, which is as high a score as anyone needs.

Unfortunately, they had both been misled. Their scores weren’t nearly as good as they thought.

Our Success Stories

I was very impressed with the counseling I received. My counselor was patient and knowledgeable. I’ve already begun referring people I know who could benefit from this service. I enrolled in the Debt Management Program and can’t wait for it to get into effect on the road to paying off my debt in 5 years.

Doris

Things were explained to my satisfaction and all questions were answered to help me further understand what I needed to know. At times I felt the questions and answers were a little too technical but were explained to my satisfaction when I questioned the gentleman who was conducting the interview. At the conclusion of the interview I felt I had a good knowledge of what I needed to continue the process. But if something did arise that I needed further help with I would have felt free to contact you for further assistance.

Nancy

My wife and I had a most pleasurable and informative counseling session with April last night. April listened to our situation and provided us thoughtful and professional direction with our family situation now and in the near future. She made us feel at ease and her patience and time dedicated to walk us through the steps was greatly appreciated. Without saying, we were most impressed with her service and care.

Charles