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Credit.org is a non-profit agency that was founded in 1974.

The company’s mission is to improve the lives and financial well-being of individuals and families by providing quality financial education and coaching.

Credit.org offers confidential and professional credit counseling, debt management services, bankruptcy education, and housing counseling, as well as online personal finance education and in-person seminars.


  • Free Debt Analysis
  • Variety of Services
  • Industry Accreditations

Free Debt Analysis

Credit.org allows potential customers to take advantage of a free debt analysis and talk with a Certified Personal Financial Counselor (CPFC).

Each counselor has successfully completed a course of education to become certified. During the free analysis, individuals will review their finances, discuss debt resolution options, create an action plan, and receive expert support.

This plan may not go any further than the free credit counseling services. In some instances, a CPFC will advise consumers to enroll in a debt management plan to consolidate unsecured debt into one payment.

Variety of Services

The counseling agency offers a number of service options for those looking to build their credit, get out of debt, and own a home.

Credit.org provides credit coaching, credit report guidance, credit score tips, budgeting and planning tools, debt coaching, debt management plans, bankruptcy coaching, student loan coaching, mortgage coaching, mortgage calculators, reverse mortgage coaching, and more.

Industry Accreditations

Credit.org has several industry accreditations and certificates. The company has Certified Personal Financial Counselors and is accredited by the NFCC and AICCCA.


  • Enrollment Fees
  • Long Setup Time
  • Lack of Client Control

Enrollment Fees

Fees assessed under Credit.org’s debt management plan are a one-time enrollment fee of up to $35 with a monthly service charge of up to $20. Fees vary by state and by individual circumstances.

Long Setup Time

The initial 30 to 45 minute phone call with Credit.org to start the process is relatively standard, but the time it takes to gather all necessary financial documents may be a substantial time commitment.

Lack of Client Control

When a customer chooses to work with Credit.org, their counselor and the company will then divide their payments and send out funds to their creditors without their involvement.

For example, if a customer would prefer to pay off their highest interest rate accounts first, but their counselor disagrees, the counselor ultimately gets to make the decision.

The way the company’s business model is set up, the counselor decides the appropriation of funds, not the customer.

Our Recommendation

If you’re primarily interested in working with a credit counselor or financial coach to improve your financial situation, Credit.org may not be a bad option.

However, if you’re looking for a dedicated debt resolution or debt consolidation firm to help you get out of debt, Credit.org won’t be able to do much to assist you.

At this time we recommend another company for debt consolidation and counseling services, such as Accredited Debt Relief. If your unique situation calls for debt resolution services, we recommend Freedom Debt Relief.

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