Start Your Personalized Credit and Debt Game Plan
Connect with a HUD-certified nonprofit credit counselor who will help you build a clear path to becoming loan-ready.
It takes less than one minute.
Once you fill out this form, you be directed to a calendar link to schedule your free consultation with a nonprofit credit counselor, who is ready to help you improve your financial situation.
What happens after you submit the enroll form?
Most clients are closer than they think.
Why work with a nonprofit credit counselor?
You’re not signing up for credit repair.
You’re building a real, documented path toward approval.
Transparent, consumer-focused pricing.
Our counseling partners are nonprofit, HUD-approved organizations. That means they are required to prioritize your financial well-being – not profit.
Pricing is standardized and discussed clearly during your consultation. You’ll pay your counseling agency directly. There are no surprise fees, and you will never be kept in a program longer than necessary. It’s simply $149 to process your enrollment and get you set up in their system, and then $115 per month thereafter until you cancel, which you can do at anytime, no questions asked.
Clients working with counselors on our platform reach their goals in an average of 3 to 5 months – and sometimes sooner. And we happily boast a 93%+ customer happiness score!
Real progress. Real outcomes.
93%+ of consumers report high satisfaction working with counselors on the CredEvolv platform.
Frequently asked questions.
Quick answers to help you feel confident before you enroll.
Still have a question? You can begin your enrollment by scheduling your free consultation and your counselor will be happy to listen and answer any questions you have.
Start my enrollmentIs this credit repair?
No. This is nonprofit credit and debt counseling. You’ll work with a HUD-approved counselor who helps you build a clear plan based on your situation – with education, budgeting support, and documented next steps.
Will this hurt my credit score?
No. Enrolling does not hurt your credit. If your counselor reviews your credit report, they’ll explain what they’re doing and why, and any next steps are designed to improve your profile over time.
How long does the process take?
It depends on your starting point, but most clients reach their goals in a few months. On average, clients working with our counseling partners reach their goals in 3 to 5 months, and often sooner. You’ll get a personalized plan after your consultation, so you’ll know what you’re working toward and how to measure progress. Our process and platform is completely transparent.
Do I have to commit?
No. You’re in control. You’ll start with a free consultation, and once you enroll, you can pause or cancel at any time. The goal is to help you move forward – not keep you stuck. It’s one of the many reasons the nation’s largest lenders trust their customers to us.
Is my lender notified?
If you were referred by a lender, they may be notified that you enrolled so they can support your path to approval. Your personal details stay protected, and any updates shared are designed to keep your next steps clear and lender-ready. But you are always in control of the information you share, and you can share your preferences with your counselor.
Your future approval doesn’t start with another application. It starts with a plan.
Enroll now to schedule your free, no-obligation consultation and get matched with a nonprofit counselor.