For additional answers, check out our full list of credit counseling FAQs: https://www.moneymanagement.org/credit-counseling/faq

Credit Counseling Services

Q: How do I start a credit counseling session?

Credit counseling from MMI is available 24/7. In-person sessions are available at select locations — just call to schedule an appointment.

What is credit counseling?

Credit counseling is a service designed to help consumers find solutions to common financial challenges. Alternatively known as consumer credit counseling, debt counseling, and debt & budget counseling, credit counseling can help you learn how to manage overwhelming debt, poor credit, budget deficits and more. These counseling conversations are always kept confidential and focused on meeting the client where they are and developing a plan for them to meet their financial goals.

MMI is a nonprofit credit counseling and financial education company with NFCC-certified counselors. We take the time to thoroughly review your budget, discuss your concerns, and provide specific advice on how to reach your unique goals. Best of all, we offer credit counseling for free, 24/7.

What can credit counseling do for me

Our credit counseling services are all about breaking free from the cycle of crushing debt and ever-increasing expenses. We understand that complicated problems require personalized solutions, which is why our counselors work so hard to make sure your needs and concerns are heard and understood.

As part of this confidential conversation, we’ll discuss ways to help you save money, find relief from credit debt, and start working toward your top financial goals. You’ll leave your free session with an action plan, access to valuable resources, and — if it’s right for you — the opportunity to save money and accelerate your debt repayment with a debt management plan.

Credit counseling from MMI is an excellent, obligation-free way to start finding real, lasting relief. Start your free credit counseling session today.

Credit counseling is a great way to step back and get clarity on your financial situation. During your session, we’ll review your income, expenses, and debts in detail to create a complete picture of where your money is going. It's helpful to have your most recent bills and statements on hand so that we can get a better understanding of what your current situation looks like.

Next, we discuss your current goals and long-term financial plans, providing unbiased suggestions and resources designed to help you reach those goals. Through our credit counseling services, we’ll provide the support and practical advice you need to make lifelong changes to your financial outlook.

The initial counseling session usually takes less than an hour to complete over the phone, or as little as 15 minutes online. During this session, we can help you create a budget and share options for eliminating debt. You can complete your free credit counseling session online, over the phone, or even in-person in select locations.

What's different about credit counseling at MMI? MMI is one of the nation’s leading providers of nonprofit credit counseling and financial education services. For over 60 years, we've helped people overcome financial challenges and start making measurable progress toward their goals. Apart from our credentials, we're focused on meeting you wherever you are in your financial journey and creating a plan that meets your needs.

Nearly 80% of clients report a decrease in stress just by beginning to work with MMI.

Instant Stress Relief

Nearly 80% of MMI clients report an immediate decrease in stress just after that one session. Read our client reviews to see more stories of instant relief.

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Improved Credit Score

Counseled clients have seen their credit scores increase by an average of over 30 points. For clients on a DMP that number is even higher.

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Save Money and Pay Off Debt

Beyond money-saving budget tips, clients can save significantly by starting a DMP with MMI, where the average interest rate is below 7%.

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Questions about the credit counseling process? We’ve got answers.

Does credit counseling cost anything?

No. We offer free credit counseling online and over the phone, 24/7. You may be offered additional fee-based services following your free session, but there is no obligation to use any additional services.

What does a credit counselor do?

With your permission, a credit counselor will pull your credit report and review all your debts, expenses, and sources of income. After thoroughly reviewing your information, they will provide recommendations and send you a customized action plan. Learn more about the role of credit counselors.

What do I need to bring to my credit counseling session?

The more information you have on hand, the better. Gather recent pay stubs, bank statements, creditor statements (loans and credit cards), and utility bills. That said, we can work with whatever information you have available, so don't hesitate to get started. Learn more about preparing for your credit counseling session.

Will you talk to my creditors?

Every MMI counseling session is completely confidential. We will only contact your creditors if you decide to begin a DMP in order to set up your repayment plan.

How do I start a credit counseling session?

Credit counseling from MMI is available online or over the phone, 24/7. We also offer in-person sessions at select locations if you call ahead to schedule an appointment.

Give us a call at 866-889-9347 or begin online.

More questions?

For additional answers, check out our full list of credit counseling FAQs.

Ready to break free from the cycle of overwhelming debt and financial uncertainty? We can make it happen. Relief is just a call or click away!

Call MMI to start your debt management plan.

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Counselors are here to take your call, 24/7.

866-889-9347

Start online counseling. See how much you can save by consolidating your debt with MMI.

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Enter basic financial info and get personalized advice.

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Learn about a Debt Management Plan from MMI.

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See how much you can save with a DMP.

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Better Business Bureau

MMI is proud to have achieved an A+ rating from the Better Business Bureau (BBB), a nonprofit organization focused on promoting and improving marketplace trust. The BBB investigates charges of fraud against both consumers and businesses, sets standards for truthfulness in advertising, and evaluates the trustworthiness of businesses and charities, providing a score from A+ (highest) to F (lowest).
Financial Counseling Association of America

MMI is a proud member of the Financial Counseling Association of America (FCAA), a national association representing financial counseling companies that provide consumer credit counseling, housing counseling, student loan counseling, bankruptcy counseling, debt management, and various financial education services.
Trustpilot

MMI is rated as “Excellent” (4.9/5) by reviewers on Trustpilot, a global, online consumer review platform dedicated to openness and transparency. Since 2007, Trustpilot has received over 116 million customer reviews for nearly 500,000 different websites and businesses. See what others are saying about the work we do.
Department of Housing and Urban Development

MMI is certified by the U.S. Department of Housing and Urban Development (HUD) to provide consumer housing counseling. The mission of HUD is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD provides support services directly and through approved, local agencies like MMI.
Council On Accreditation

MMI is proudly accredited by the Council on Accreditation (COA), an international, independent, nonprofit, human service accrediting organization. COA’s thorough, peer-reviewed accreditation process is designed to ensure that organizations like MMI are providing the highest standard of service and support for clients and employees alike.
National Foundation for Credit Counseling

MMI is a longstanding member of the National Foundation for Credit Counseling® (NFCC®), the nation’s largest nonprofit financial counseling organization. Founded in 1951, the NFCC’s mission is to promote financially responsible behavior and help member organizations like MMI deliver the highest-quality financial education and counseling services.