Credit counselling offers numerous benefits, including debt management, budgeting assistance, financial education, credit score improvement, stress reduction, and avoidance of bankruptcy. It provides individuals with the tools, knowledge, and support they need to take control of their finances and achieve lasting financial stability.

No, credit counselling is beneficial for individuals of all financial backgrounds. Whether you are struggling with debt, looking to improve your credit score, or simply seeking guidance on managing your finances more effectively, credit counseling can provide valuable assistance and support.

No, credit counselling itself does not directly impact your credit score. However, enrolling in a debt management plan as part of credit counseling may have implications for your credit score, as creditors may report your participation in the plan to credit bureaus. It is important to discuss potential impacts with your credit counselor before enrolling in any debt management program.

The duration of credit counselling can vary depending on your individual financial situation and goals. Some individuals may only need one or two sessions to address specific issues, while others may benefit from ongoing counseling over several months. Your credit counselor will work with you to develop a plan that meets your needs and fits your schedule.

Yes, credit counselling is confidential. Certified credit counselors are bound by strict privacy and confidentiality policies, ensuring that your personal and financial information remains secure and protected. You can feel confident discussing your financial concerns and goals with your credit counselor in a safe and supportive environment.