About Credit.org

A Message from our President and Chief Executive Officer

Credit.org is a national non-profit consumer credit management organization formed in 1974 by local business leaders and credit grantors. Credit.org has been approved* by the Executive Office for United States Trustees to provide the required pre-petition bankruptcy counseling, pre-discharge debtor education and issue certificates in compliance with the bankruptcy code under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 for residents in all judicial districts* (states). Click here to view our approved states.

Our core purpose is to improve the financial literacy and solvency of individual consumers. The following mission statement is adapted from the National Foundation for Credit Counseling's (NFCC) comprehensive mission statement for all Consumer Credit Counseling Service (CCCS) agencies.

The mission of Credit.org is to provide the best non-profit community service dedicated to delivering professional personal finance education, confidential counseling, and debt reduction programs to strengthen our communities through loss reduction.

Core values are the essential and enduring tenets of any organization. Our leadership challenge is to communicate the intrinsic importance of these, so that a deep understanding and validation of these exists throughout the organization.

Todd Emerson
President / CEO

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* Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services. Credit.org has been approved to provide bankruptcy counseling in all 50 states. Click here to view our approved states.