Credit Counseling

Get Your Customized Action Plan with a Free Credit Counseling Session

When you’re overwhelmed with debt, it’s difficult to know where to turn. Every situation is unique, and we all have different financial resources, challenges and opportunities. As a nonprofit, we’ll provide objective guidance with your best interests in mind. We’ve already helped more than 2 million people nationwide eliminate more than $6 billion in personal debts, and we can help you too.

Your path to financial independence starts with a free, confidential credit counseling session. You can complete the process online 24/7 or connect with a certified credit counselor over the phone.

Here's what you can expect

Customized budget & action plan

Credit report summary

Educational resources

Personalized debt relief solutions

How Credit Counseling Works

Overcome Your Financial Challenges

During your credit counseling session, we review the current state of your finances to determine your best path forward. There are multiple options, so what works for your friend, neighbor or co-worker may not be the best solution for you. We remove the complexity and provide you with straightforward solutions. The process is smoother and faster if you have financial documents on hand, but you can get started without them..

Gather Your Information

Compile information summarizing your income and expenses.

Start Your Session

Start the process online or call us at 866-528-0588 from 6 a.m. - 6 p.m. MST. Online sessions are available 24/7, and you can save your progress and return later.

Get a Financial Review

We will analyze your financial situation to determine your best course of action.

Receive Your Personalized Plan

You will receive a free credit report summary, customized budget, educational resources and an action plan explaining the debt relief solution that makes the most sense for your situation.

Frequently Asked Questions About Credit Counseling

You can benefit from credit counseling if you: Feel overwhelmed with your finances Struggle to pay bills on time Have mounting credit card and personal debts Have missed credit card and debt payments Need help developing a budget Anticipate a hardship in the near future We can review your situation and create a customized action plan to help you regain control of your finances. Start your online credit counseling session 24/7. Discovering your best debt relief solution provides peace of mind and gives you confidence as you take charge of your financial future.

Both options provide a free credit report summary, customized budget, action plan and educational tools and resources. Completing the counseling process on the phone with one of our certified counselors allows you to ask questions and hear additional details about the debt relief option we recommend for you. We are compassionate, experienced and dedicated to helping our clients overcome their debt challenges. Online counseling is perfect if you’re short on time or need assistance outside regular business hours, but still want to discover your best debt relief solution. You can always opt to speak to a counselor during or after your session. Phone Counseling Phone counseling is available Monday – Friday from 6 a.m. - 6 p.m. MST at 866-528-0588. It is designed for people who prefer direct interaction with a counselor and are available to complete the process during normal business hours. The phone counseling process is completed in one sitting. Online Counseling Online counseling is available 24/7. This self-guided process is easy to follow and you can work at your own pace. You can save your progress and return later, if needed. Start your online credit counseling session here. Upon completing your online session, credit counselors are available over the phone if needed. They can answer budgeting questions or help you set up a debt management plan if it’s the right solution for you.

Credit counseling online or over the phone is free. If a debt management plan makes sense for your financial situation and you choose to participate, there is a one-time setup fee and monthly fee, which is based on your state of residence. We will let you know of any potential fees during your credit counseling session and in your agreement, and you’ll be able to compare the cost of the program with your estimated interest savings to make sure the program is a smart choice for you.

Learn more about a debt management plan.

Credit counseling is a free service that helps people regain control of their money with personalized solutions to their financial challenges. You may complete the process online 24/7 or over the phone Monday – Friday from 6 a.m. - 6 p.m. MST (866) 528-0588 The process includes a confidential financial assessment to review your income, expenses, monthly bills and debt obligations. You will receive: a credit report summary, customized budget, action plan and educational tools and resources. The action plan includes recommendations for eliminating debt based on your unique situation. As a nonprofit, we work for you. All guidance during a credit counseling session is free, confidential and objective.

No, anybody can benefit from credit counseling regardless of their financial situation. After performing a confidential financial assessment over the phone or online, we develop a plan of action tailored to your unique needs. Your customized plan will include educational resources to help you develop effective spending habits, budget to meet living expenses and manage personal debts.

It varies according to your individual circumstances and the depth of help required. On average, a phone session takes 45 to 60 minutes, whereas the online process can take 20 minutes or less if you have your income and expenses on hand. If you need more time with the online session, you can save your progress and return later.

We offer comprehensive training to build a solid foundation in all aspects of personal finance and debt, as well as the education and services we offer. Additionally, all counselors achieve certification through the National Foundation for Credit Counseling (NFCC) within their first year of employment. To retain their certification, each counselor completes 16 additional professional development units during every subsequent two-year period. Our counselors are compassionate, ethical and committed to helping you. All credit counselors certified by the NFCC must demonstrate their ability to help our clients: Manage money effectively Overcome debt challenges and improve financial habits Develop successful strategies to achieve financial goals Work through financial challenges and opportunities Develop a new perspective on financial management as it relates to family, friends and individual self-esteem

Start Your Free Credit Counseling Session

You can regain control of your money and peace of mind.

Available online 24/7
Save your progress & return later
Easy process with clear instructions
Download credit report summary

Need Help? Call Us MST
Monday - Friday, 6 AM - 6 PM
866-528-0588

EACH YEAR, Thousands Trust TCA to Eliminate Credit Card Debt and Regain Financial Freedom

Testimonial

Empowering Millions to Achieve Financial Freedom

Customer service is impeccable “Customer service is impeccable. I love everyone who works there — I couldn't have done it without your help, patience, and overall kindness. I wouldn’t want to go through a journey like this without your support. It's good to know there are still people who truly care. Thank you from the bottom of my heart. Keep up the awesome work you do. God bless you all — I feel truly blessed to have had your help.”

Monica

“One of the most important reasons TCA was so successful for me comes down to three things: The company is staffed with real professionals who understand debt management and provide honest guidance, advice, and encouragement — always with your best interest at heart. They recognize that life can throw curveballs and respond with support and understanding, not judgment. They truly care and genuinely want you to succeed!”

William

Grateful “I’m truly grateful for this program — it gave me peace of mind. The staff is knowledgeable and ready to help. My experience has been great, and I recommend this company for your debt management needs.”

Georgina

From beginning to the end ,I had a… “From beginning to end, I had a great experience with them. Great customer service — they took the time to explain everything to me and answer all my questions. I’m so happy I was recommended to you guys; that’s why I recommend all my friends who need to join.”

Claudia