Black Business Enterprises

Credit Education

We offer free credit education classes. We will help you understand your rights as a consumer and what you can do to .

Understand your financial situation and goals

Review all debt and Develop a personalized action plan to meet your goals

Advocate for yourself to remove incorrect information with the bureaus

Maintain your credit

Understand credit

Educate youth on how to start life with good credit


During debt and credit counseling, a financial counselor will help you understand your financial situation, learn about your options, and make a plan to meet your financial goals.

There is no cost. Debt counseling and credit counseling are free.

There is no difference. The terms “credit counseling” and “debt counseling” both refer to the process of exploring options to help you get out of debt, increase savings and take control of your financial future.

The initial credit counseling or debt counseling session usually takes about an hour, possibly less or more depending on your situation.

It will be helpful if you know how much you usually spend each month on living expenses such as utilities, food, gas, etc. We’ll also need to know how much money you and your spouse / financial partner bring home each month.

Yes, absolutely. We do not report information to the credit bureaus. And we will not share your information with anyone without your permission. 
If you begin a debt management program, we will obtain your consent before we propose payment arrangements to your creditors.