Credit Advisors Foundation

Credit Advisors Foundation is a non-profit credit counseling agency founded in 1991 and headquartered in Omaha, Nebraska. With additional offices in Scottsdale, Arizona, and Council Bluffs, Iowa, the organization has spent over three decades helping consumers address debt problems and regain financial stability. Its stated mission is to empower consumers to effectively manage their finances, create economic security, and realize equality of access and opportunity — a mandate that guides its range of free and low-cost counseling services.

The organization offers credit counseling and debt management plans (DMPs), bankruptcy counseling, housing and rental counseling, student loan counseling, and an extensive financial education program. Their DMP service consolidates a client's unsecured debts into a single monthly payment and can reduce total monthly payments by up to 50% through creditor negotiations. Certified Personal Finance Counselors guide clients through budgeting, creditor communication, and long-term financial planning. Educational resources include classes, published articles on debt-free living, and speaker programs covering credit responsibility and consumer financial issues.

Several features distinguish Credit Advisors Foundation from typical credit counseling providers. The organization maintains a formal Quality Assurance Program with board-level oversight, designed to measure performance and ensure consistency across all services. Multilingual counseling is available in Spanish, Korean, and Thai — unusually broad for a regional non-profit. Their three physical office locations serve the Omaha, Scottsdale, and Council Bluffs metro areas for clients who prefer in-person sessions. The DMP program explicitly lists free confidential counseling as a client benefit, and the website states that successful debt management improves credit ratings over the long term.

Credit Advisors Foundation is a legitimate, long-running non-profit with a credible track record, but the website leaves important questions unanswered. There is no published fee schedule for DMP enrollment or monthly service fees, which are standard in the industry. The site does not mention NFCC membership or HUD housing counseling approval — two widely recognized accreditations that consumers should verify before enrolling. The copyright footer reads 2016–2023, suggesting the website may not be actively maintained, which makes it harder to confirm current service availability, accreditation status, or which states are served. Prospective clients should call directly to clarify costs and confirm eligibility before proceeding.