This program is designed to educate and assist clients in building credit as an asset and learn how to change the mindset about money and credit. Also, to change their status of their credit score through certified credit counseling at no charge. This program assists you in working with creditors to payoff accounts or set up payments with past due and collection accounts. As part of building credit, the loan program is an installment loan designed to help build your credit so it’s an asset. It allows clients to begin building a better credit score while clearing up the past due and collection accounts.