No stored Google rating available.
National nonprofit credit counseling and HUD-approved housing counselor network offering free debt relief, credit building, and homeownership guidance since 1974.
Data compiled from public sources
Credit.org is an established nonprofit organization that has provided financial counseling and housing guidance for nearly 50 years. Founded in 1974, the organization has completed over 5.2 million counseling sessions and delivered $2.2 billion in homeowner support across its national network, including the Jacksonville, FL branch. The organization operates as a HUD-certified housing counselor network with NFCC certification, positioning it within the legitimate nonprofit credit counseling sector.
Credit.org offers a comprehensive suite of free and low-cost services spanning debt relief, housing assistance, credit building, and financial education. Services include one-on-one counseling for debt management and settlement options, reverse mortgage counseling (both HECM and non-HECM), pre-purchase homeownership education, foreclosure prevention assistance, rental readiness programs, and credit repair guidance. The organization provides free initial consultations followed by personalized financial plans. Beyond counseling, they offer the FIT Academy (self-paced online courses), live webinars and classes, financial calculators, and workplace financial wellness events. Multiple contact channels are available including phone (800-431-8157 or 800-431-8695), online appointment scheduling, and chat support.
What distinguishes Credit.org is its dual focus on both credit/debt counseling and HUD-certified housing counseling under one organization. The reverse mortgage counseling capability (a federally required service before obtaining a reverse mortgage) is a listed offering. Their scale—5.2 million completed sessions—suggests operational maturity. The organization provides bilingual services (English/Spanish) and maintains listed, educational messaging without aggressive sales tactics typical of for-profit debt companies. Client testimonials highlight counselor experience context and thoroughness.
The honest assessment is that Credit.org's Jacksonville branch is a legitimate, nonprofit credit counseling service appropriate for consumers seeking unbiased guidance. However, the website provides limited Jacksonville-specific information—it appears to be a national organization's standard website. The extent of in-person services at the specific Jacksonville location versus remote counseling is unclear. Like most nonprofits, their impact depends on counselor quality, which varies by individual appointment rather than being standardized across the network.
This is state-level context for Free Help consumers in Jacksonville, FL. It does not confirm that Credit.Org - Jacksonville, FL Branch or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Credit.Org - Jacksonville, FL Branch offers 13 services including Free one-on-one debt relief and debt management counseling with personalized financial plans, Credit building and credit repair guidance with credit score counseling, Credit report review and dispute assistance for errors and negative items, Pre-purchase homeownership counseling and down payment education, Reverse mortgage counseling (HECM and non-HECM required counseling), and 8 more.
Credit.Org - Jacksonville, FL Branch has profile signals associated with Homebuyers seeking free pre-purchase education and credit counseling before applying for mortgages, Reverse mortgage inquirers needing federally required counseling before proceeding with application, Individuals with multiple debts seeking nonprofit guidance to evaluate consolidation, management, or settlement options without sales pressure.
Key strengths: HUD-certified and NFCC-affiliated nonprofit status ensures no-pressure, unbiased financial guidance; Free initial consultation and financial assessment with personalized plans—no upfront fees charged; listed reverse mortgage counseling (HECM and non-HECM), a federally required service before obtaining reverse mortgages. Areas to consider: Website is generic national template with no Jacksonville branch-specific information, staff directory, or local contact details; Unclear whether services are delivered in-person at Jacksonville location or primarily via remote counseling.
In the Free Help category, comparable providers include Consolidated Credit, Consumer Debt Counselors, Inc., Incharge Debt Solutions. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Credit.org is profile signals for consumers seeking unbiased, nonprofit credit counseling and housing education without sales pressure or fees to verify. The primary caveat is that their Jacksonville location appears to be part of a national network using generic marketing materials, so actual service availability, counselor quality, and delivery format (in-person vs. remote) at the specific Jacksonville branch should be confirmed directly before scheduling.
Nonprofit credit counseling agency offering free counseling, debt management programs, and HUD-approved housing help. Rated 4.7/5 from 9,144 reviews.
Profile signals: People with $10,000+ in credit card debt who want structured repayment without settlement, Homeowners or prospective buyers needing HUD-certified housing or foreclosure counseling
ISO-9001 accredited nonprofit credit counseling agency offering free consultations, debt management, and HUD-approved housing counseling to help consumers achieve financial stability.
Google rating from 87 reviews
Profile signals: Consumers seeking free, unbiased debt management education and budget counseling, Homebuyers needing pre-purchase credit preparation and down payment assistance guidance
InCharge Debt Solutions is a 27-year-old Orlando-based 501(c)(3) nonprofit offering free credit counseling, debt management programs ($32-34/mo), and HUD-certified housing counseling. 3.2 million clients served, $3.4 billion in debt repaid.
Profile signals: Consumers with $5,000+ in credit card debt who can afford monthly payments but need lower interest rates to make real progress, Individuals seeking free, certified nonprofit financial counseling before deciding on any debt strategy
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Credit.Org - Jacksonville, FL Branch and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.