Credit Repair & Restoration

  • Reviewing credit reports, identifying errors, inaccuracies, or outdated entries
  • Disputing incorrect or unfair items with credit bureaus
  • Negotiating with collection agencies or creditors to remove or downgrade negative marks

Debt Consolidation & Management

  • Combining multiple debts into a single manageable payment plan
  • Advising on lower‑interest consolidation options (e.g. personal loans, balance transfers)
  • Creating budgeting strategies to avoid debt re-accumulation

Credit Counseling & Advisory

  • Free/paid consultations to understand credit score mechanics
  • Guidance on factors affecting credit score (timely payments, utilization, mix)
  • Personalized action plan to improve credit score over time

Financial Education & Planning

  • Workshops and resources on responsible credit use, budgeting, and saving
  • Tools to monitor credit score and financial health
  • Help with long‑term financial goals like home purchase, auto loans, Education Loan, Credit Card or business credit

Loan Guidance & Financing Options

  • Assessing eligibility for secured vs unsecured loans
  • Advice about interest rates, terms, and fees
  • Helping prepare documentation to improve approval chances

Credit Monitoring & Identity Protection

  • Ongoing tracking of credit activity to catch negative changes early
  • Alerts for suspicious or fraudulent behaviour
  • Advice or assistance in responding to identity theft