Licensed credit consulting firm in Columbus, OH offering free consultations and affordable credit counseling, repair, and business coaching services.
Data compiled from public sources · Google rating shown when a stored review count is available
Frazier Consulting Services LLC is a licensed and bonded credit consulting company based in Columbus, Ohio, operating under the ownership of Ciera Frazier. The company has been in the credit consulting industry for over seven years and positions itself as a professional alternative to DIY credit building. They serve both individual consumers and small business owners throughout the Columbus area.
The company offers four primary service lines: credit repair (disputing negative items and removing claims), credit counseling (personalized credit building strategy), business credit establishment, and business coaching. They emphasize one-on-one consultations to diagnose credit issues and create customized plans. The business coaching service extends beyond credit to general entrepreneurship guidance for business owners.
Frazier Consulting Services differentiates itself through licensed and bonded credentials, free initial consultations, affordable pricing structure, and the owner's seven years of industry experience. Their marketing emphasizes quick and reliable results, and they provide multiple contact methods (phone, email) with after-hours availability. The website features five client testimonials highlighting score improvements (up to 40 points) and major life outcomes like home purchases at age 25.
A key consideration is that while the website claims to be licensed and bonded, the actual business model appears to be credit counseling/coaching rather than credit repair in the traditional sense. The company describes working with clients to 'create new lines of credit' and remove claims, but does not clearly explain their dispute methodology or regulatory compliance (CFCC certification, NFCC membership, etc.). Testimonials suggest legitimate results but lack specificity about timelines or service costs.
When evaluating options, consumers should compare debt consolidation loans, which combine multiple debts into a single fixed-rate payment. Credit counseling through nonprofit agencies offers free budgeting help. For those whose credit has been damaged, credit repair services can address inaccurate negative items. Nonprofit counselors can help consumers evaluate whether an installment loan for debt consolidation makes sense given their income and existing obligations.
This is state-level context for Free Help consumers in Columbus, OH. It does not confirm that Ciera Frazier Enterprise or this specific location is licensed.
State regulator
Ohio Department of Commerce Division of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Ciera Frazier Enterprise offers 10 services including Credit repair and dispute services to remove negative claims from credit reports, Credit counseling and personalized credit building strategy development, One-on-one credit consultations and credit score analysis, Business credit establishment and building for new or growing ventures, Business coaching and general entrepreneurship guidance, and 5 more.
Ciera Frazier Enterprise has profile signals associated with Columbus, OH residents seeking personalized credit counseling and building strategy from a local professional, Small business owners needing help establishing business credit and basic entrepreneurial coaching, Consumers with credit scores below 700 looking for professional guidance on raising scores over time, Individuals who prefer one-on-one consultation over DIY credit repair tools or large national services.
Key strengths: Free consultations with no upfront cost to evaluate credit situation; Licensed and bonded company with owner having 7+ years of industry experience; One-on-one personalized consultations rather than automated/generic solutions. Areas to consider: No mention of NFCC certification, CFCC compliance, or regulatory affiliations that legitimate credit counselors typically highlight; Website does not clearly explain dispute methodology, success rates, or typical timelines for credit repair results.
In the Free Help category, comparable providers include Consumer Legal Group, Harris County Housing & Community Development, One World Advisor. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Frazier Consulting Services is profile signals for Columbus-area residents seeking personalized, local credit counseling from a licensed professional rather than DIY tools or national firms. However, consumers should request clear documentation of their regulatory compliance (NFCC or CFCC certification), actual pricing, and dispute methodology before enrolling, as the website lacks transparency on these critical details typical of legitimate credit counseling agencies.
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Google rating from 327 reviews
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Google rating from 55 reviews
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Google rating from 39 reviews
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