Business Details
50+ Years
experience
Trusted Financial Counseling Services
Since 1974, Credit.org has been a trusted nonprofit organization dedicated to empowering individuals with the tools and knowledge needed to achieve financial stability. Our HUD-certified counselors specialize in housing, debt, and credit counseling, providing personalized solutions tailored to each client's unique circumstances. With decades of experience, we combine deep industry expertise with a commitment to ethical practices, offering services that meet rigorous national standards.Our team of certified professionals has guided millions through complex financial challenges, from mortgage readiness to debt management, ensuring clients receive authoritative, reliable guidance. As a platinum-level GuideStar participant, we maintain transparency and accountability, prioritizing client success through innovative educational resources and compassionate support.
Services
Debt Management
Credit Counseling
Housing Counseling
Reverse Mortgage Education
Foreclosure Prevention
Renters Education
Financial Literacy Courses
Student Loan Guidance
Budget Planning
Credit Report Analysis
Details
- Year established: 1974
Highlights and features
- 50+ years of experience in financial counseling since 1974
- HUD-certified counselors specializing in housing and debt solutions
- Personalized debt management plans with creditor negotiation
- Free financial education resources through FIT Academy platform
- Nonprofit organization with platinum-level GuideStar transparency
Associations and certifications
- HUD-approved agency
What people say
Professional and caring
Thorough and helpful
Patient and clear
Knowledgeable counselors
Life-changing support
Services
Debt Management Program
Our Debt Management Program helps clients consolidate unsecured debts into one affordable monthly payment. Certified counselors negotiate with creditors to reduce interest rates and fees while creating personalized repayment plans. This service provides structured debt elimination within 3-5 years through budget-friendly solutions that protect credit scores.
Housing Counseling
HUD-certified housing counseling covers mortgage readiness, foreclosure prevention, and reverse mortgage education. Counselors review credit profiles, budgeting strategies, and loan options to prepare clients for sustainable homeownership. The service includes mandatory counseling requirements for high-cost loans and distressed homeowners.
Credit Counseling
Personalized credit counseling sessions analyze credit reports, identify improvement opportunities, and create actionable score-building plans. Counselors explain credit factors, dispute errors, and develop debt reduction strategies that enhance creditworthiness through responsible financial behaviors over time.
Rent4Success
Rent4Success prepares individuals for successful renting through budgeting guidance, tenant rights education, and lease understanding. The program builds rental application strength, improves housing stability, and develops habits that maintain positive landlord relationships through practical financial management.
FIT Academy
FIT Academy offers free online financial literacy courses covering budgeting, credit management, and homeownership preparation. The self-paced platform provides 24/7 access to interactive modules, calculators, and resources that build long-term financial capability through practical money management skills.
People
Deborah Ormspy
Financial Counselor
Experienced financial counselor specializing in credit restoration and mortgage readiness with over 15 years of client-focused service emphasizing clear communication and practical solutions.
Corrie Williams
Housing Counselor
Certified housing counselor providing expert guidance on reverse mortgages and foreclosure prevention with a patient approach to complex financial situations.
Janet Smith
Debt Specialist
Dedicated debt management specialist helping clients create personalized repayment plans while maintaining compassionate support throughout the financial recovery process.
Questions
What financial services does Credit.org offer?
We provide debt management, credit counseling, housing counseling, reverse mortgage education, and financial literacy resources through personalized sessions and online tools.
Are your counseling services free?
Basic credit counseling is free, while specialized services like mortgage counseling have fees ranging from $80-$179 with hardship assistance available.
How can you help with debt reduction?
Our certified counselors create debt management plans that consolidate payments, negotiate lower interest rates, and provide structured repayment timelines to eliminate debt efficiently.
Do you offer online counseling options?
Yes, we provide virtual counseling sessions and 24/7 access to financial education through our FIT Academy platform for flexible learning opportunities.
What housing programs are available?
We offer HUD-approved homebuyer education, foreclosure prevention counseling, reverse mortgage guidance, and renter readiness programs with certified housing specialists.
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