Credit counseling is a service that helps individuals manage their debts, develop budgeting skills, and improve their overall financial situation. Through credit counseling, individuals receive guidance on debt repayment strategies, money management, and credit repair techniques to achieve financial stability.

Credit rebuilding is the process of improving one's creditworthiness after experiencing financial setbacks or negative credit events. It involves responsibly managing credit accounts, making timely payments, reducing debt, and demonstrating positive credit behaviors over time to rebuild a positive credit history.