My Credit Plan is a credit and housing education service operated by Family Financial Education Foundation, a 501(c)(3) nonprofit and certified credit and housing counselor. The organization helps consumers understand lender-used FICO scores and make informed decisions to improve credit and purchasing power. Its personalized credit improvement program analyzes credit information and recommends which accounts to open, keep, close, refinance, or pay down. Depending on the program, customers can receive one or three classic FICO scores, a lender’s credit report, score analysis, improvement solutions, and score tracking.

For prospective homebuyers, Mortgage 850 presents mortgage scenarios and options to help users compare possibilities and better understand how credit and loan choices may affect affordability. The Gold program combines Mortgage 850 with Auto Loan 850 and credit improvement resources; the Silver program focuses on credit score improvement. The organization also offers Auto Loan 850 and educational resources, including articles and a podcast.