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Credit.org (formerly Springboard Nonprofit) is an NFCC-certified nonprofit credit counseling agency founded in 1974, offering free and low-cost financial education and debt counseling services nationwide.
Data compiled from public sources
Credit.org was originally founded in 1974 as Consumer Credit Counseling Service of the Inland Empire (CCCS-IE), starting as a grassroots initiative to help individuals facing debt problems. In 2016, the organization rebranded from Springboard Nonprofit Consumer Credit Management to Credit.org to better align with its core mission and reach digital audiences more effectively. The agency has maintained partnerships with the National Foundation for Credit Counseling and built a nationwide reputation for its compassionate, accessible approach to financial counseling over nearly five decades.
Credit.org provides a comprehensive range of nonprofit credit counseling services, all conducted by certified professionals. Their offerings include one-on-one counseling sessions, debt management programs, credit report review, housing counseling, bankruptcy counseling, and budget planning with financial education. All services are designed to evaluate a client's full financial situation and provide actionable guidance toward long-term financial health. The organization operates multiple educational platforms including homeownership.org and springboard.org to reach consumers seeking with trust signals to verify financial information.
The organization distinguishes itself through professional accreditation and transparency standards. Credit.org holds Better Business Bureau recognition and Council on Accreditation certification, which reinforces its position as a legitimate nonprofit distinct from for-profit credit counseling companies. The agency explicitly educates consumers about how to verify they're working with a certified nonprofit, not a for-profit firm with fees to verify. Their approach emphasizes helping consumers reduce expenses, negotiate with creditors, and avoid predatory interest rates.
As a legitimate nonprofit credit counseling agency, Credit.org is well-suited for consumers seeking unbiased financial guidance. The primary caveat is that nonprofit credit counseling, while legitimate and affordable, works profile signals for consumers willing to commit to structured budgeting and debt repayment plans rather than those seeking quick fixes. Their services require active client participation in financial behavior change.
This is state-level context for Free Help consumers in Riverside, CA. It does not confirm that Springboard Non Profit or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
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.
Springboard Non Profit offers 10 services including One-on-one credit counseling sessions, Debt management programs, Credit report review and guidance, Housing counseling and foreclosure prevention, Bankruptcy counseling and alternatives, and 5 more.
Springboard Non Profit has profile signals associated with Consumers with credit card debt seeking unbiased guidance from certified nonprofit counselors, Homeowners at risk of foreclosure needing housing counseling and budget restructuring, Individuals considering bankruptcy wanting to explore alternatives through nonprofit guidance.
Key strengths: NFCC-affiliated nonprofit with accreditation from Council on Accreditation and Better Business Bureau recognition; Founded in 1974 with nearly 50 years of nonprofit credit counseling experience nationwide; All counseling sessions conducted by certified professionals trained to evaluate full financial situations. Areas to consider: Rebranding in 2016 may cause confusion for long-term clients familiar with Springboard name; Website content doesn't clearly specify which services are free versus low-cost or if any fees apply.
In the Free Help category, comparable providers include American Consumer Credit Counseling, Inc., BALANCE, Consumer Credit Counseling Service of San Francisco. 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 with debt problems seeking honest, unbiased guidance from a certified nonprofit rather than quick fixes or debt elimination promises. The main caveat is that nonprofit credit counseling requires the client's active commitment to budgeting and sustained debt repayment—it's an educational and structural approach, not a debt reduction service.
American Consumer Credit Counseling, Inc. Bakersfield, California — American Consumer Credit Counseling (ACCC) offers free consultations, debt managemen...
Profile signals: Consumers with $1,000–$100,000+ in credit card debt seeking a structured repayment plan without new loans, People who have fallen behind on payments and are exploring alternatives to bankruptcy
National nonprofit financial wellness organization offering free and low-cost 1:1 coaching, housing workshops, and financial guidance across spending, debt, savings, and retirement.
Profile signals: Consumers preparing to buy a home seeking mortgage readiness education, Individuals in financial crisis seeking free unbiased counseling
San Francisco-based non-profit founded in 1969 offering personalized financial coaching, debt guidance, and homeownership workshops to help clients achieve lasting financial wellness.
Profile signals: First-time homebuyers seeking preparation and down-payment assistance guidance, Individuals with overwhelming debt who want unbiased (non-settlement) counseling
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