Credit counseling and credit repair are two very different services. Credit counseling is financial advice specifically tailored to your situation. In addition, a credit counselor will usually provide resources to help you make better decisions and improve your financial situation. The point of credit counseling is usually to help consumers get out of debt. By comparison, credit repair is a service designed to improve your credit score by removing inaccurate information from your credit report. Both services help you improve your financial situation, but they go about it differently.