Credit counseling is a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt.
Credit monitoring is the process of periodically reviewing your credit reports for accuracy and changes that could be indicative of fraudulent activity. Credit monitoring can be done either manually or by using a passive credit monitoring service, such as Credit Karma.
Credit repair is the process of fixing a bad credit report, for whatever reason it deteriorated in the first place. It may be as simple as fixing mistakes with the credit agencies. Identity theft may require extensive credit repair work.