Quick Facts
Full Review
Credit.org has been around since 1974 and is based in Riverside, California. Their credentials are stacked: BBB A+ for over 40 years, NFCC membership, HUD-approved housing counselor, and Council on Accreditation (COA) accreditation. On paper, that's one of the strongest credential profiles in the industry.
How Their DMP Works
Here's where things get murky. Credit.org doesn't publicly disclose their DMP enrollment fee or monthly administration fee on their website. That lack of transparency is unusual among NFCC agencies and makes it hard to compare them against competitors before you call. Fees vary by state, which is standard, but most agencies at least publish a range.
Services Beyond Debt Management
Credit.org offers a wide range of services: DMPs, housing counseling, reverse mortgage counseling, bankruptcy counseling, student loan assistance, and programs for military personnel. The service breadth is comparable to MMI and GreenPath, which is a genuine strength.
What Customers Say
This is where Credit.org's profile gets thin. Their BBB reviews are limited in number and often focus on workshop presentations rather than the core credit counseling and DMP experience. The broader online review presence is sparse compared to agencies like ACCC or Consolidated Credit that have thousands of reviews. The credentials are impressive, but the customer data to back them up is hard to find.
Who Should Consider Credit.org
Credit.org may be worth a call if their specific services match your needs (especially housing-related counseling or military programs). The credentials are legitimate and long-standing. But call prepared to ask specific questions about fees, and don't commit until you've compared their pricing against agencies that publish their rates upfront.
Pros and Cons
Pros
- BBB A+ for 40+ years with top-tier credentials
- NFCC, HUD-approved, and COA accredited
- Broad service range including housing and military programs
- Operating since 1974
Cons
- Fee structure not publicly disclosed on website
- Thin online review presence compared to competitors
- Harder to compare pricing before calling
- Limited customer review data for DMP services specifically
Where to Read More
Read reviews on: BBB