Credit and Welfare Counseling

What is Credit and Welfare Consulting?

Credit and Welfare Consulting is a support service provided by the Credit Counseling and Recovery Service (CCRS) to help clients participating in CCRS debt-relief programs regain financial stability more quickly.

The program provides tailored guidance based on each client’s repayment status and consists of three components :

Credit and Welfare Counseling overview

Credit and Welfare Consulting

Credit and Welfare Counseling services diagram

Services in Credit and Welfare Consulting

  • Credit Consulting

    1:1 telephone counseling

  • Credit Helper

    Credit-management solution

  • Credit Vitamin

    Newsletter

Credit Consulting

Personalized one-on-one telephone counseling by CCRS professional consultants.

Available to anyone

Counseling topics include:

  • CCRS debt-relief programs
  • Credit management
  • Financial-inclusion services
  • Public welfare benefits

Credit Helper

A credit-management solution that supports faster credit recovery.

Offers tools such as credit-score improvement tips and credit-score prediction.

Available exclusively to clients participating in CCRS debt-relief programs

Accessible through the CCRS mobile app.

Credit Vitamin

Helpful newsletters delivered according to your repayment stage.

Provides useful, stage-specific information after your debt-relief plan is finalized to help you maintain stable repayment.

Available exclusively to clients participating in CCRS debt-relief programs