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Credit Counselling

Programs that provide assistance for people who want to improve their understanding of the consumer credit lending and collections systems, and maximize their skill in using credit. Services may include help in completing credit application forms, understanding how credit information is analyzed, choosing the best credit cards and/or interest rates available, determining how many credit cards can be managed, protecting one's credit information, communicating with creditors, improving poor credit reports and associated credit scores, eliminating credit card debt and dealing with other credit card issues.

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Personal Financial Counselling

Programs that help people who are having difficulty paying their monthly bills gain control of their finances. The process generally involves analysis of the individual's income, expenses, debts, taxes and other factors to create a personal financial assessment; development of a budget for basic living expenses; and agreement on a short-term plan for repayment of creditors which may include debt consolidation or other strategies and a longer term plan for realizing personal financial goals.

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The above terms and definitions are part of the Taxonomy of Human Services, used here by permission of INFO LINE of Los Angeles.