Credit Counseling
Stop guessing and start knowing. Our credit counselors analyze your exact situation and give you a personalized, step-by-step plan to fix what's hurting you most.
Book Your Free SessionWhat you get from counseling
Full Credit Report Review
We pull and analyze all three bureau reports to identify every item affecting your score.
Personalized Action Plan
No generic advice. You get a step-by-step roadmap tailored to your specific credit profile and goals.
Debt Prioritization
We tell you exactly which debts to address first for the fastest and most impactful score improvement.
Ongoing Expert Access
Questions don't stop after the first session. We're here throughout your journey to guide every decision.
How a counseling engagement works
Initial Assessment
We gather your credit reports and discuss your current situation, goals, and timeline.
Report Analysis
Our experts identify every negative item, error, and opportunity hidden in your reports.
Custom Roadmap
We build a prioritized action plan — what to fix, dispute, pay, or build — in the right order.
Ongoing Support
We check in regularly, adjust the plan as your credit changes, and celebrate your progress.
Simple, transparent pricing
Credit counseling is the core of every plan we offer. Choose the level of support that fits your situation.
Essential
$300
retainer + $29.99/mo
- 1 Credit Consultation
- 3-Bureau Analysis
- Action Plan
- Email Support
Professional
$800
retainer + $29.99/mo
- Everything in Essential
- Monthly Check-Ins
- Dispute Assistance
- Priority Support
Enterprise
$2,000
retainer + $29.99/mo
- Everything in Professional
- Dedicated Counselor
- Unlimited Sessions
- Full Dispute Management
Clients who turned it around
"I had no idea where to start. After my first session with Hillsides, I had a clear plan and finally felt in control. My score jumped 65 points in four months."
Darnell W.
Houston, TX
"They explained everything in plain English. No jargon, no pressure. Just real guidance that actually worked."
Sandra M.
Phoenix, AZ
Get clarity. Get a plan. Get moving.
Your free consultation is the first step. No pressure, no commitment — just honest answers about your credit.