Credit counseling is a process that involves meeting with a credit counselor to discuss your financial situation and receive advice on how to improve it. The goal of credit counseling is usually to help individuals better manage their debt, develop a budget, and make informed decisions about their finances. Credit counselors can also provide information on credit reports, credit scores, and ways to build or repair one's credit history. Overall, credit counseling is designed to be an educational tool that helps individuals take control of their financial future.