At HPP CARES CDE, we understand that personal finance education is the bedrock of financial security. That's why we've decided to enhance this aspect of our organization. We are currently undertaking a rapid overhaul of our processes and resources to ensure that we not only meet but surpass your expectations.

Build your credit

Take control of your personal finances and enhance your credit score with our tailored, individualized Credit Coaching sessions.

Get out of debt

Consult with our team of Debt Coaches to thoroughly assess your options and determine the most effective strategies for debt elimination.

Get off ChexSystems

Discover the necessary steps to exit ChexSystems and regain eligibility for banking services.

Learn more

HPP CARES recognized the importance of having skilled Certified Credit Counselors. To fulfill this need, we established a collaboration with the National Association of Certified Credit Counselors (NACCC). Through this partnership, HPP CARES ensures that our credit counselors possess the required training to aid individuals and families in comprehending credit reports, enhancing credit scores, and attaining financial well-being. Counseling sessions are scheduled for one hour, and the fee of $100 is payable at the time of scheduling.

Please meet our team of counselors who specialize in Credit Counseling, Student Loan Counseling, Debt Management Plans, Advanced Collections, Money Coaching, and Credit Reversal

Please be advised: We will be conducting complimentary virtual Financial Classes and Events, where you can engage with live chat for inquiries. Additionally, we provide online courses at no cost, accessible 24/7. These personal finance classes are open to the public without requiring registration. Explore tailored budgeting and debt solutions that are proven effective by enhancing your personal finance knowledge!

If your organization is interested in hosting a virtual financial literacy class, please Request a Virtual Workshop/Webinar.

We understand your interest in improving your credit. Meanwhile, feel free to browse through some of our latest resources, courtesy of our newly established partnership with FICO:

free fico score estimator


HPP CARES felt the need to ensure we have qualified Certified Credit Counselors. Therefore, we created a partnership with the National Association of Certified Credit Counselors (NACCC). HPP CARES’ partnership with NACCC will ensure we have credit counselors with the training necessary to assist individuals and families in understanding credit reports, improving credit scores, and achieving financial health. Counseling sessions will be scheduled for one hour, and the fee is $100 which will be paid at the time of scheduling.

Please meet our team of counselors who specialize in Credit Counseling, Student Loan Counseling, Debt Management Plans, Advanced Collections, Money Coaching, and Credit Reversal.

Bonnie Canty

Bonnie Canty, J.D.

Credit Counseling / Student Loan Counseling / Debt Settlement and Advanced Collections Specialist

Bonnie Canty is an attorney licensed in 5 states: Connecticut, Florida, Georgia, New Jersey and New York. She obtained her Juris Doctorate degree from Hofstra School of Law. Bonnie Canty currently operates a general law practice law through her firm ABC Law, PLLC. She has also a been a Certified Financial Counselor for almost 2 decades. Bonnie Canty is the former Executive Director of DMCC, a not-for-profit 501c3 credit counseling company. She taught a legal secretary class at Florida Atlantic University and has been hired by several businesses and organizations to do training, coaching and consulting. Bonnie Canty is currently serving on the Board of Directors of the Society of Financial and Career Counseling Professionals.

Janera Harvey

Janera Harvey, M.P.H.

Overshopping Specialist / Money Coach

Janera Harvey is a resilient mompreneur, motivator, mentor and coach. Her mission is to empower and motivate career women in areas of finance by helping them rebound back from financial pitfalls and lead them to financial victory.

Her passion stems from her own journey of money pains after a divorce. She spent many years on her journey seeking any and every resource to overcome her pain. It wasn’t until she was introduced to fixing her own credit that she developed a passion to help other women who struggled just like she did. She became a certified credit counselor through National Association of Certified Credit Counselors and birthed “The Credit Journey”. While serving clients she began to see that there was a bigger unmet need that needed to be solved, instability with personal finance. It was then that the vision was shifted to help women have a better relationship with their money by properly budgeting, spending, minimizing debt and saving with a service that is judgement free, supportive and tailor made.

Janera has an Associates Degree in Health Information Technology, Bachelor’s Degree in Business Administration and a Master’s Degree in Public Health. She’s served in the medical industry for over 25 years from direct patient care to medical sales. Janera currently serves as a Money Columnist for Gulf Coast Women Magazine, serves on the board for National Association for Certified Credit Counselors and she’s been trained as an Over Shopping Specialist to aid those who struggle with compulsive shopping (shopping addiction). She really has a passion to help people and it’s led her right to where she’s destined to be helping and serving women.


Family Budget Services, Inc. 

Debt Management Services

This Organization is for those who have at least $8,000 in credit card debt with rates above 15% that are falling behind. 

Family Budget Services, Inc. a 501( c)(3) nonprofit credit counseling organization, here to educate and empower consumers and families to take control of their debt. Our diverse team of certified credit counselors are on a mission to guide you towards financial stability, working with you one-on-one to create a personalized budget for your financial needs and goals to get and stay out of debt. Everyone who comes to us has their own financial programs to work through.

FBSI feels confident that no matter how big or small the financial burden is, we can guide you through it. When you join our community, a certified credit counselor is assigned to you, and will work with you through your entire journey.

Certified counselors, Maria, Marcela, Ivonne, and Carla, with many years of experience, will build a workable, livable financial plan to get you closer to financial independence. Aside from a free counseling session, FBSI offers Debt Management services which will help you with your unsecured accounts by lowering your monthly payment, reducing interest rates, waiving late and over the limit fees, and stop all harassing calls. You will become debt free in a fraction of time. Our programs will help you start to build financial wellness.

Credit Forms

Found inaccuracies in your report? If so, use this form to contact the credit bureau (Experian, Equifax, or TransUnion) that supplied the information.

Use this form to request a free annual credit report

Educational Video Series

We’ve created these short videos to help individuals better understand FICO® Score basics.

What is a FICO® Score?

This video takes a look at what a FICO® Score is and why it matters to consumers and lenders alike. Watch to learn how FICO® Scores streamline the lending process, making it faster and fairer.

Watch the video

Managing your FICO® Scores

Do you know how to manage your FICO® Scores? Watch this video to learn about some credit score dynamics that can help you manage your FICO® Scores.

Watch the video

How lenders use FICO® Scores

Ever wonder how FICO® Scores are used by lenders when determining whether someone will get a loan or what kind of interest rate they will be offered? Watch this video to see how those decisions are made.

Watch the video

What goes into FICO® Scores?

Understanding what goes into FICO® Scores is a vital part of a person’s credit health. Watch this video to learn the five key categories that factor into FICO® Scores.

Watch the video

Which credit scores matter?

This video highlights the importance of understanding your FICO® Scores, the scores most commonly used by U.S. lenders.

Watch the video

Understanding your credit report

Credit reports are the foundation of a FICO® Score, but what are they exactly? Watch this video to find out which information on an individual’s credit reports does and doesn’t impact FICO® Scores. Plus, understand how checking credit reports for accuracy can help ensure the FICO® Scores are reflective of that individual’s credit history and help protect against potential identity theft.

Watch the video
To learn more about FICO® Scores, download Understanding Fico® Scores and FAQs about Fico® Scores.


As a social enterprise, HPP CARES CDE has achieved significant and wide-ranging accomplishments in recent years. Working under the National Coalition for Equities' (NCFE) umbrella, our focus has been on advocating for a strong community voice among federal and state regulators and major private sector corporations. We've dedicated ourselves to addressing public policy issues, particularly those related to wealth and income inequality impacting affordable homeownership and small business growth.

Through collaborative efforts with NCFE, HPP CARES CDE has expanded outreach initiatives, leading to increased corporate social responsibility and consumer protection awareness. Our endeavors have enabled us to engage with a broader audience, forge partnerships with numerous companies, and engage with regulators, all with the goal of supporting deserving individuals in achieving sustainable homeownership, fostering successful small businesses, protecting consumers, and empowering California communities.

At HPP CARES CDE, we are committed to championing opportunities for people of color to become integral partners in our mission to reduce income and wealth inequality, thereby contributing to the creation of stronger futures for all minority groups.