is a new debt relief company of the market. They are a subsidiary of Springboard Nonprofit Consumer Management, Inc., a conglomerate of many well-established credit consolidation companies. With the support of Springboard, customers of can feel secure with the services offered. With over 40 years of experience in the industry, can offer a countless of useful services aimed to help any American achieve financial freedom. Review

About is a non-profit agency aimed to help improve the lives of others by guiding them through debt consolidation. They offer credit counseling and debt management as their 2 main services. is a company that aids clients to consolidate their debt into one affordable monthly plan. also offers financial resources such as seminars, free online courses, budgeting guides, video gallery, financial calculators, and live assistance.


Credit.Org is one of the most experienced companies we have reviewed. At the time of writing they are celebrating their 44th year, which means they have even more experience than long-running companies like Christian Credit Counselors. They also have a reputation to rival that of National Debt Relief and ClearOne.

If reputation and longevity is a big deal to you, and it should be, then Credit.Org are a very good option.


Credit.Org have been accredited by the BBB since 1983 and while there are complaints out there, they tend to be dealt with quickly and professionally. As mentioned elsewhere in this Credit.Org review, they are also trusted members of many organizations in this field.


This is an area in which Credit.Org slip-up a little. Or a lot, as the case may be. There are a lot of bad customer reviews out there for Credit.Org and for Springboard Nonprofit.

There are a lot of reviews from angry customers disappointed with the level of service and the upfront fees, which they seemingly were not expecting. But you have to understand that these services are not free, and just because they provide a free consultation doesn't mean they will also provide a free service.

Credit.Org haven't handled things great in the past and we feel that they could have been a little more transparent, but these days they have cleaned up their act a little more. There are still high fees, which we will get to soon, but at least they are clearly presented throughout.

Credit.Org Review

Now for the good stuff. We have spent some time reviewing Credit.Org's services and have compiled some good and bad points below to help you decide if this debt management company if the right choice for you.

The Good

  • Accreditations including NFCC and AICCA
  • Educated resources
  • Certified personal financial counselor

Free Consultation

For those who are unsure about what is about, they offer a free consultation with a Certified Personal Financial Counselor. Potential clients can have a piece of mind knowing that each counselor has to complete a course of education to become certified.

During the consultation, individuals will be asked personal questions to help shed light on which program or service would best suit their financial situation. By examining each and every creditor account opened, the counselor can tailor their recommendations to fit each situation a customer brings to the table. In some cases, the plan doesn’t escalate further, in others, a CPFC will advise consumers to enroll in a debt management plan to consolidate debt down to one payment.

Debt Management Plan

In the case that the CPFC determines the customer qualifies for a debt management plan, clients will be guided through every step of the process. The debt management plan is the actual consolidation proposal, and once constructed, it will become the strategy to help clients stay focused on the process. Following this, there is a one-time enrollment fee of up to $35 with a monthly service charge of up to $20.

The Bad

  • No ISO accreditation
  • High up-front fees
  • Time consuming

Time Consuming

Although has an arsenal of useful strategies to help overcome debt, there are some drawbacks with the company. It is all time-consuming. A 30-45 minute phone call doesn’t sound too laborious, but when you add in the time to gather and organize your financial documents, you’re looking at a real time commitment. Make sure you take into account variables such as income from a spouse (if any), house owner and/or car(s), more than one credit card account; all of these add onto the amount of time you will have to invest to settle your debt.


There is an enrollment fee and it depends on how much debt you need to consolidate. Additionally, there is a small monthly fee to use’s consolidation program. During this process, your counselor and the company will divide your payment and pay funds to your creditors without you having to do anything. For some, the lack of control and be a scary thing. Even in some cases, you may not see eye-to-eye with your consolidation counselor, and in the end, the counselor decides which approach is best and not you. About

The Bottom Line

We believe that is a reliable option for those looking to take control of their financial situation. By all means, you will need to dedicate some time to the process by gathering your bank statement, credit card balances, mortgage details and any of document related to your financial situation to ensure your counselor has all of the appropriate information to make a safe and educated assessment.

We highly recommend to those who find themselves in need of debt consolidation. The experienced and patient staff will put your mind at ease knowing some of the best are working in your favor. If credit consolidation is something you think you might benefit from, give them a call to find out more.