Searching for Credit Counselling

• Dietary Services and Nutrition
• Occupational Therapy
• Physiotherapy
• Social Work
• Speech-Language Pathology

• Teaches budgeting techniques
• Offers one on one sessions

• Provides full credit counselling services including assistance with spending plans and budgeting
• Helps establish debt management and repayment plans
• Provides tips on credit and borrowing, rights and responsibilities, and bankruptcy information
• Offers a financial coaching program
• Conducts financial literacy training
• Business restructuring

• Assists clients with a wide variety of issues related to credit and debt issues
• Offers an alternative to bankruptcy
• Hosts a wide variety of public speaking seminars

• Budget Counselling
• Third Party Advocacy
• Intervention
• Debt Management

• Provides full credit counselling services including assistance with spending plans and budgeting
• Helps establish debt management and repayment plans
• Provides tips on credit and borrowing, rights and responsibilities, and bankruptcy information
• Offers a financial coaching program
• Conducts financial literacy training
• Business restructuring

• Provides full credit counselling services including assistance with spending plans and budgeting
• Helps establish debt management and repayment plans
• Provides tips on credit and borrowing, rights and responsibilities, and bankruptcy information
• Offers a financial coaching program
• Conducts financial literacy training
• Business restructuring

• Voluntary financial trusteeship
• Ongoing assessments
• Coordination of required services
• Conflict resolution
• Crisis prevention
• Housing supports
• Discharge planning
• Referral to community resources

• Dietary Services and Nutrition
• Occupational Therapy
• Physiotherapy
• Social Work
• Speech-Language Pathology

• Provides confidential assessments of financial situation
• Assists in budgeting and money management
• Works with creditors on behalf of individuals
• Consolidates debts to lower monthly payments

• Provides full credit counselling services including assistance with spending plans and budgeting
• Helps establish debt management and repayment plans
• Provides tips on credit and borrowing, rights and responsibilities, and bankruptcy information
• Offers a financial coaching program
• Conducts financial literacy training
• Business restructuring

• Provides full credit counselling services including assistance with spending plans and budgeting
• Helps establish debt management and repayment plans
• Provides tips on credit and borrowing, rights and responsibilities, and bankruptcy information
• Offers a financial coaching program
• Conducts financial literacy training
• Business restructuring

• Administers the Passport funding program that provides a direct form of funding to individuals with developmental disabilities and their families to obtain support services from Community Living

• Activities of daily living
• Caregiver respite
• Community participation
• Person-centred planning

• counselling sessions can be held in person by making an appointment, by telephone or live chat via webstie
• conducts educational seminars and workshops for groups and community centres across Canada, maintaining a primary focus on improved financial literacy for all Canadians
• see website for Resources

• personal money management counselling
• online resources on consumer debt and money management

• mediation between debtor and creditor
• consumer debt repayment programs
• consumer credit education including online resources

Stores and maintains credit information about individual Canadian consumers for use by members of the credit reporting agency

• provides credit reports to individuals upon request
• provides information about fraud prevention and assistance

Consumer Website: ocs.transunion.ca provides access to Consumer Disclosure Report, the option to add/modify a Potential Fraud Alert, and open up an Online Dispute

• also provides educational resources and tools to help gain a clear understanding of credit history and the impact of financial behaviour, and guard against identity theft and financial fraud

Credit Report: individuals may obtain their Consumer Disclosure Report (complete account of all the information on your credit report) free of charge online, by mail, in person or by phone

Credit Dispute: individuals who do not recognize information on their credit report, or believe an item may be inaccurate, may request a free investigation

• credit information may be disputed, or personal information updated, online, by phone or by mail (see website for form)

• consumer education
• budgeting
• behaviours around money
• strategies to reduce financial stress and meet financial goals

• helps with creating a spending plan to manage living expenses, get finances back on track, consolidate debts in one monthly payment, save thousands of dollars in interest, and stop collection calls from creditors
• provides alternatives to filing for bankruptcy

• Assessment of income and expenses
• Money management advice
• Credit Counselling
• Budgeting assistance
• Debt management program
• Advocacy
• Public education, in-house or out in the community

• consumer education
• budgeting
• behaviours around money
• strategies to reduce financial stress and meet financial goals

• obtain a copy of their Credit Report (personal credit history, credit check)
• call if a consumer has been denied credit, submit a dispute
• initiate corrections to errors in their Credit Report