Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here to help you build a brighter financial future. Click on Start an online session below and we will direct you to our application process on our ClearPoint website.

start an online counseling session

Or call 800.251.2227 now

Watch this video first
Watching this video first will help you understand what documents you will need to have available to get the most out of your counseling session. We have helped thousands of people get out of debt and into a better financial future. Now it's your turn.

Why Choose CredAbility?

CredAbility has provided nonprofit credit counseling services to millions of consumers since 1964. Our counselors are certified by the National Foundation for Credit Counseling (NFCC,) which means they meet exacting ethical, educational and counseling standards. CredAbility is also a HUD-approved counseling provider. Our mission is to empower people with knowledge and solutions that provide hope and inspire lasting change. We are committed to providing compassionate debt advice and credit management knowledge and tools that help people learn how to reach their financial goals.

Free Budget Planning Session, No Obligation

During a counseling session, you and your counselor will go over your current budget, including any money owed such as debt from credit cards, medical bills, student loans, car loans and all others. Afterwards, you will receive a written summary including an action plan to move forward. You are under no obligation to take any of the debt advice or recommended credit management steps. Your counseling session is completely confidential. We do not report the information to your creditors or your credit report.