Nonprofit Credit Counseling

A real plan.
A real counselor.
Real results.

Working with a HUD-certified nonprofit credit counselor isn’t a quick fix – it’s a structured, proven process that has helped tens of thousands of people across the country get their credit where it needs to be to qualify for a home, a car, a job, and more.

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Not sure this is right for you? Explore Debt Management or CredEvolvIQ
What’s included
One-on-one counseling with a HUD-certified nonprofit counselor
Full credit report review across all three bureaus
Personalized credit improvement plan built for your situation
Monthly check-ins to track progress and adjust the plan
Student loan guidance if identified during counseling
Documentation of progress shared with your lender
Pricing
Maximum $149 enrollment + $115/mo – set by your counseling agency. Many lenders subsidize part or all of this cost.
💡 Some lender partners subsidize a portion of the consumer’s enrollment fee – reducing friction and improving completion rates.
UWM
CrossCountry Mortgage
Zillow Home Loans
Guaranteed Rate
Fifth Third Bank
AnnieMac
WesBanco
Northpointe Bank
PRMG
Homestead Funding
Haven Home Equity
Huntington Bank
Beeline
Mutual of Omaha Mortgage
UWM
CrossCountry Mortgage
Zillow Home Loans
Guaranteed Rate
Fifth Third Bank
AnnieMac
WesBanco
Northpointe Bank
PRMG
Homestead Funding
Haven Home Equity
Huntington Bank
Beeline
Mutual of Omaha Mortgage
The Process

What to expect when you enroll.

From your first session to your last, here is exactly what working with a HUD-certified nonprofit credit counselor through CredEvolv looks like.

01
You enroll and we match you
After you complete the enrollment form, our team matches you with a HUD-certified nonprofit counselor in our network. You’ll hear from them within one business day.
No cost to get started
02
Full credit review in your first session
Your counselor pulls all three bureau reports, reviews your full credit picture, and identifies exactly what is helping and what is hurting your score.
All three bureaus reviewed
03
Your personalized action plan
Your counselor builds a written, step-by-step improvement plan tailored specifically to your profile, your goals, and your timeline – not a generic checklist.
Written plan – specific to you
04
Monthly sessions until you hit your goal
You meet with your counselor monthly to review progress, adjust the plan, and keep momentum. Average program length is 3-6 months. Progress is documented and shared with your lender.
Avg. 3-6 months to goal
Proven Outcomes

Numbers that speak for themselves.

These are CredEvolv platform averages across more than 36,000 consumers served since 2021. Not projections – real results from real people.

Not sure credit counseling is right? Explore Debt Management or CredEvolvIQ
+53
Average credit score improvement
3-6 mo
Ave time to completion
36K+
Consumers served across all 50 states since 2021 – through a network of HUD-certified nonprofit counseling agencies
Real People. Real Results.

What our consumers say.

These are real quotes from real CredEvolv consumers – in their own words.

“
I’ve learned more about credit in the last few months than I have over the last decade. Together we are achieving significant results, and I am so grateful for this company for allowing me to dominate in an area that once felt unattainable.
Deidre J.
CredEvolv Consumer
“
I’m 57 years old and it’s never too late. Right now, I’m in a very good place with my accomplishments, and I give all the credit to the CredEvolv family that has taken me on and turned my negative experiences into positive. There’s pretty much nothing I can’t go purchase, buy or own because of where my credit score is right now.
George R.
CredEvolv Consumer
“
Now that I’ve achieved homeownership, my son sees that it is obtainable.
Tamela
CredEvolv Consumer
Why Nonprofit Matters

This is not credit repair.
This is something better.

For-profit credit repair companies operate on disputes and delay tactics – often making promises they can’t keep while charging fees for results that may never come. Our HUD-certified nonprofit counselors deliver something fundamentally different: documented, compliant credit improvement through education, counseling, and a real plan.

Every counselor in the CredEvolv network holds active HUD certification – the federal standard for ethical, compliant housing and credit counseling. Many of our partners are members of the NFCC – the nation’s largest nonprofit credit counseling network.

HUD-Certified Network
NFCC Member Agencies
MBA Partner
FCRA Compliant
Credit Repair
Nonprofit Counseling
Approach
Disputes and delay tactics
Education, counseling, and a real plan
Provider type
For-profit companies
HUD-certified nonprofits
Certification
Self-regulated
Federal HUD certification required
Lender acceptance
Often viewed with suspicion
Trusted by 30+ lender partners
Documentation
Rarely provided
Full audit trail for lender review
Score guarantees
Often promised
Never promised – only earned
For Lenders and Loan Officers

Referring a client?
Here is what they can expect.

When you refer a client to CredEvolv for credit counseling, here is exactly what happens on our end – and what comes back to you.

Request a Demo
Or refer a client now if you’re already set up.
⚡
Same-day outreach to your referred client
We contact referred consumers up to twice daily for 30 days to drive enrollment – you don’t have to chase them.
📋
Full compliance architecture
FCRA-aware referral design. No RESPA exposure. Compliant with regulated mortgage environments at both bank and non-bank servicers.
📊
Progress visibility back to your CRM
Enrollment confirmation, milestone updates, and program completion notifications flow back into your tech stack.
🏠
9.1% of enrolled consumers become closed loans
Clients who complete counseling come back loan-ready – with documented score improvement and proof of counseling for the file.
Ready to get started?

Your counselor is waiting.
It costs nothing to begin.

Fill out the enrollment form and our team will connect you with a HUD-certified nonprofit counselor within one business day – for your free 15-minute consultation to learn more about your situation and tell you how they can help.

Looking for something different? Try Debt Management or CredEvolvIQ