Get Started

Find the right path
to loan-ready.

Every financial situation is different. Tell us a little about your situation and we’ll connect you with the right path – usually within one business day.

✓ HUD-certified nonprofit counselors
✓ Available in all 50 states
✓ 36,000+ consumers served
✓ Trusted by professionals at 150+ companies to help their clients
✓ 93%+ customer happiness score among enrolled consumers
Get Started

Tell us about your situation.

A member of our team will connect you with the right program – usually within one business day.

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Referred by your lender or loan officer?

You’re in the right place. Select the option your loan officer recommended, or choose the one that best fits your situation. If you have a referral code, you’ll enter it during enrollment.

All options available in all 50 states
Choose your path
Most common
🧑‍💼
Work with a nonprofit credit counselor
A HUD-certified, nonprofit credit counselor will review your full credit picture, build a personalized improvement plan, and work with you monthly until you’re loan-ready.
One-on-one counseling with a certified nonprofit counselor
Personalized credit improvement plan built for your situation
Avg. 3-6 months to measurable improvement
Student loan support available if identified during counseling
Each counseling agency sets its own fees. The maximum you can expect to pay is $149 enrollment + $115/mo.
DIY – $1 Trial
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Build your credit on your own schedule
CredEvolvIQ is a self-guided, app-based credit-building subscription. No monthly coaching sessions – just a clear roadmap, real-time score monitoring, and tools you can use anytime.
Real-time credit score monitoring and analysis
Personalized credit-building roadmap
Bureau dispute assistance and guided workflows
FICO-certified financial education library
Start for $1 for 7 days, then $29.99/mo – cancel anytime
Learn More and Start Trial
Debt-focused
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Get help managing and reducing debt
If high-balance credit card debt or a high debt-to-income ratio is the barrier to qualifying, our nonprofit debt management program negotiates rates with your creditors and creates a structured, manageable path out – without debt settlement.
Managed by a HUD-certified nonprofit debt management provider
Negotiated interest rates with your creditors
One structured monthly payment instead of many
Avg. 12-18 months to goal – not debt settlement
Debt Management Plans average a set-up fee of $37 and a monthly fee of $26.