All office hours are Eastern Standard Time...
Credit Counseling
New credit counseling clients
Toll Free: 1-877-906-5599
Certified Credit Counselors are available
Monday - Friday: 8am - 11pm
Saturday: 9am - 6pm
Customer Service
Existing InCharge clients
Toll Free: 1-888-734-6229
Customer Service agents are available
Monday - Friday: 8am - 6pm
Housing Counseling
New or existing Housing clients
Toll Free: 1-877-712-6040
Certified Housing Counselors are available
Monday - Friday: 9am - 5pm
Bankruptcy Counseling
New or existing Bankruptcy clients
Toll Free: 1-866-729-0049
Certified Bankruptcy Counselors are available
Monday - Friday: 8am - 9pm
InCharge is closed on the following holidays
New Year's Day
Memorial Day
Independence Day
Labor Day
Day after Thanksgiving
Christmas Day
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InCharge Education Foundation

InCharge® Education Foundation is a national 501(c)(3) nonprofit organization dedicated to empowering lives through personal finance education. InCharge creates and delivers high quality personal finance education through in-person workshops, online courses, books, magazines and websites.

InCharge recognizes that there is no “one size fits all” personal finance education, and therefore seeks to customize materials and instruction based on the populations served. Dedicated to helping those in greatest need, InCharge works with Habitat for Humanity, Head Start and Goodwill, among others, to deliver educational materials and services.

Additionally, InCharge Education Foundation dedicates significant resources to developing and distributing comprehensive personal finance education to members of the US military.



Credit Booster eBook

Credit Booster

Credit Booster is designed to lead you through a step-by-step process to enhance your usage of credit and management of your debt.

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Transition Ebook Comp

Where Do I Go From Here? Transition Guide

This book is a compilation of relevant articles covering areas such as translating your military experience into marketable civilian job skills, planning a civilian career,  and planning for life after the service.             
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Improve Credit Score eBook

Improve Your Credit Score

This book will focus on improving your credit scores and provide you with information on how you can do even more to improve your credit status.             
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Building Credit After Divorce

Building Credit After Divorce

We focus in this book on how divorce affects your credit and how you can rebuild your credit after divorce.
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