Can you help me repair my credit?

MMI is not a credit repair service. We offer advice and educational materials to help you build a positive credit history. Following this advice may result in a significant improvement in your credit score over time. There is presently no legitimate to immediately improve your credit score, presuming your credit report contains accurate information.

Is there a cost to use your services?

Most counseling and education is provided at no cost. We have a few select low-cost services and there are fees associated with using our debt management plan.

How long does a typical counseling session last?

Each counseling session is tailored to meet your specific needs. A full counseling session typically lasts 45-60 minutes, but we’ll work around your schedule and availability.

Will you talk to my creditors?

All of our counseling sessions are completely confidential. We don’t report anything to credit bureaus, individual creditors, or other parties without permission. We will only contact your creditors if you decide to begin a DMP, in order to set up your repayment plan.

Assistance is available 24 hours a day, seven days a week. Simply click here to get started or give us a call at 866-889-9347 . We look forward to helping!

Get Out of Debt 7x Faster: Nonprofit Credit & Debt Solutions

4.8 out of 5 stars: See what our clients are saying!

MMI was founded as a debt counseling agency. It’s who we are. We exist to help good people out of bad debt and credit situations. Let us know where you need help and we’ll do everything we can to help you conquer your challenge.

Debt repayment options

You have choices with dealing with credit debt. We’ll help find the best one for you.

Find a solution

Learn about a Debt Management Plan from MMI.

Debt management plans

See how this special form of debt consolidation can save you money - and why it’s better than other solutions.

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Learn more about MMI's debt resolution plan

Debt resolution plans

For consumers with debts in collections and an extremely tight budget, this debt relief option can get you a lower payment.

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Credit counseling

Sometimes balancing your income and expenses is easier said than done. We can make it easier so it gets done.

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Credit report review

It’s hard to fix what you don’t understand. We do 1-on-1 credit reviews with tips and advice for improvement.

Get help

Our clients’ success speaks for itself.

When you work with MMI, you’re working toward a better financial situation and a better life for yourself. The effects of this program can have major and lasting impacts on your life. Listen to what it did for Dia Ruocco and her family.

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Our mission is to help our clients overcome current and future challenges by giving them the education, tools, and support they need to make it happen. Judging by our results, you could say we’re succeeding.

Over 2.5 million people have been counseled by MMI

Over 2.5 million people counseled

Repaid $10 billion in debt

MMI DMP clients increase their credit score by an average of 82 points 4 years after they start a DMP.

Avg credit score increase 4 years after starting a DMP

Interest rates can be reduced by as much as 75%.

Interest rates are reduced by as much as 75%

MMI can help you repay credit card debt up to 7 times faster than going it alone.

Credit card debt is repaid 7x faster than doing it alone

81% of our clients report a decrease in financial stress while working with us.

81% of clients report feeling immediate decrease in stress after working with MMI

Whether it’s questions about filing for bankruptcy, managing student loan debts, or recovering financially after a natural disaster, MMI is here to help you navigate through these challenges and get the best possible outcome.

Bankruptcy counseling and education

We offer required certificate courses for consumers already in the bankruptcy-filing process.

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Natural disaster recovery counseling

Help is available for natural disaster survivors. We’ll show you how to find available aid and get it.

Get guidance

Homebuyer counseling

There’s more to homeownership than paying a mortgage. We’ll help you make sure you’re prepared.

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Reverse mortgage counseling

Planning to access the equity in your home? We can give you the knowledge you need to proceed.

Get prepared

Student loan counseling

We analyze your loan and budget, then recommend the best repayment strategy for you.

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.

Reduce Your Debt Stress

Debt and credit solutions

Real people. Real results.

Our clients’ success speaks for itself.

Big heart. Big results.

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