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About Credit.org
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Founded in 1974, Credit.org is a nonprofit organization that provides financial education and counseling services nationwide. Its team of more than 50 financial coaches is available for both free and paid debt management programs in English and Spanish. As a member of the National Foundation for Credit Counseling (NFCC), its services are available to anyone regardless of income or financial situation.
- Offers extensive services
- Free services available
- Company may take awhile to respond
What is Credit.org?
Credit.org is a nonprofit organization that offers consumer credit counseling services nationwide. It says it has helped over 25,000 people annually and has been in business since 1974. Credit.org offers an extensive amount of counseling services with free educational materials.
How does Credit.org work?
Credit.org is a national nonprofit that provides consumer credit counseling services. It makes it simple to schedule an appointment with them online. You can also call the company if you prefer.
- Select service: Credit.org offers credit building services, debt relief services and housing assistance services. If you’re not sure which service fits your situation, a Credit.org representative can help you.
- Create an account: The next step towards getting services provided by Credit.org is to create an account. You’ll need to provide your name, contact information and state of residency.
- Schedule your appointment: Depending on the service you want, you’ll need to schedule an appointment with Credit.org. After you schedule the appointment, a representative will call you at the designated time of your choice. If you aren’t prompted to schedule an appointment, a Credit.org specialist will contact you directly.
Credit.org services
Credit.org provides three categories of credit counseling services: Credit building services, debt relief services and housing assistance services.
Credit building services
- Free credit counseling: One-on-one credit counseling
- Credit score education: Resources and personalized roadmap to improve credit score
- Review credit report: In-depth analysis of credit report
- Budgeting tools: Free calculators and budgeting guide, classes and courses
Debt relief services
- Free debt counseling: Review all your options and strategies for getting out of debt
- Debt management plans (DMPs) and programs: Debt management program personalized to your situation
- Student loan assistance: Debt management plan to reduce student debt
- Filing for bankruptcy: Assistance obtaining certificates needed to file bankruptcy
Housing assistance services
- First-time home-buying counseling: Provides education, resources and guidance for the home-buying process
- Foreclosure help and mortgage assistance: Assess your current mortgage needs and discuss options best suited to your situation
- Rental assistance: Available resources to guide you through different rental programs
- Online classes for first-time homebuyers: Homebuyer classes to help you through the homebuying process.
Credit.org costs
Credit.org offers several different services that vary in price. To find out the price of the services you need, you’ll have to contact the company or schedule an appointment online.
| Service | Cost | Includes |
|---|---|---|
| Credit Counseling Services | Free | Financial education and counseling, budgeting sessions, prepurchase counseling, foreclosure counseling and default rental counseling |
| Debt Management Plan (DMP) | Enrollment: $0 to $50, Monthly program administration: $0 to $75 | Not disclosed |
| Home Ownership and Equity Protection Act (HOEPA) Counseling | Varies | HOEPA counseling and certificate |
| Reverse Mortgage Counseling | Varies | Reverse mortgage counseling and certificate |
| Homebuyer Education | Varies | Online (eHome America): Real estate housing finance agency, Online (eHome America): CALHFA, live seminar |
| Educational Materials | Free | Road Map to Financial Freedom (book), The Power of Paycheck Planning (book), The Wise Use of Credit (book) |
| Bankruptcy Counseling | $35 to $45 | Pre-filing credit counseling online and/or pre-discharge debtor education |
Credit.org FAQ
How does Credit.org affect your credit?
Using Credit.org does not directly affect your credit score. However, enrolling in a debt management plan through Credit.org may cause a change in your credit score.
How long does Credit.org’s debt settlement program take?
Credit.org does not disclose how long its debt settlement program takes, as it’s different for every situation. It offers four steps to its debt settlement program: Consultation, reviewing options, receiving a custom plan and getting financial educational materials.
Where is Credit.org available?
Credit.org is available nationwide.
Is Credit.org legit?
Yes, Credit.org is a legitimate company that has been in business since 1974. It says it has helped over 25,000 people annually and is available nationwide. Credit.org helps you with your debt settlement needs and offers additional support if you’re facing other loan issues.
Do we recommend Credit.org?
Credit.org is a solid contender compared to other debt settlement companies. It is a nonprofit financial organization that is available nationwide and has been in business since 1974. In addition to its debt management services, Credit.org offers extensive educational resources to help you understand more about your debt and how to create smarter financial habits.
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Credit.org Company Information
- Company Name:
- Credit.org
- Website:
- credit.org
