Non-profit credit counseling organization offering debt management plans, bankruptcy counseling, and financial education since 1991. NFCC-affiliated with certified counselors.
Data compiled from public sources · Rating from CreditDoc methodology
Credit Advisors Foundation is a non-profit organization that has been operating since 1991, providing debt and credit counseling services across multiple states with physical offices in Omaha, Nebraska; Scottsdale, Arizona; and Council Bluffs, Iowa. The organization positions itself as a mission-driven entity focused on empowering consumers to manage finances effectively and achieve economic security through education and professional guidance.
The company's core offerings include credit counseling and budgeting services, debt management plans (DMPs) that consolidate multiple bills into single affordable payments, bankruptcy pre-filing counseling, housing and mortgage counseling, and extensive financial education programs. They market payment reductions up to 50% through their DMP program and offer free confidential counseling as an entry point. Services are available in Spanish, Korean, and Thai through professional counselors.
Credit Advisors distinguishes itself through its explicit non-profit structure, long operational history since 1991, multi-state presence, and implementation of a formal Quality Assurance Program designed to measure performance and ensure consistency. The organization reports collecting data and analyzing outcomes at board, management, and staff levels while engaging stakeholders including clients, creditors, and regulators. This suggests a more structured accountability framework than typical credit counseling services.
The primary honest caveat is that while the website emphasizes credit counseling and debt management, it lacks transparent information about actual client outcomes, success rates, or independent accreditation credentials (such as NFCC membership). The company makes specific claims about "improving most credit ratings over the long term" through DMPs, but provides no substantive data to support this. Additionally, the website's last copyright update shows 2023, but some elements suggest older design, and detailed pricing, contract terms, and service limitations are absent from publicly available information.
Yes. Credit Advisors Council - Credit Repair NYC is a registered company, headquartered in New York, NY.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Credit Advisors Foundation is best suited for consumers seeking non-profit debt counseling and management with access to in-person services and multilingual support. The main caveat is that despite claims of up to 50% payment reductions and credit improvement, the organization provides no publicly verifiable outcome data, independent accreditation information, or transparent disclosure of fees and contract terms, making it difficult to independently validate their effectiveness.
Boomin Credit is a credit repair company offering dispute and removal services for negative items and errors on credit reports, claiming over 10 years of industry experience.
Best for: Consumers with errors, false inquiries, or inaccurate negative items on credit reports, Those seeking credit restoration after collection accounts or credit disputes
On the Double Credit Repair Service offers credit repair and dispute services in Los Angeles. Contact them at 424-363-7581 for credit report corrections.
Best for: Los Angeles residents with errors on their credit reports seeking local dispute services, Consumers wanting direct phone contact with a credit repair representative
VIVA Finance offers affordable fixed-rate personal loans from $300 to $10,000 at 11.99%–35.99% APR. Approvals based on employment history, not just credit score. BBB A+ rated, founded 2019.
Best for: Borrowers with bad or limited credit who have stable employment, Employees with 1+ year at their current job seeking personal loans
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