What is Credit? Credit refers to money that is loaned to you for a cost (interest). There are many different types of credit, including car loans, bank loans, .
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Two of the most popular debt management programs are a consumer. of a credit counselling society, such as the Ontario Association of Credit Counsellors.
A debt management plan is a service provided by a credit counselling agency, giving you a simplified payment plan for your debts and some relief from interest