Licensed credit consulting firm in Columbus, OH offering free consultations and affordable credit counseling, repair, and business coaching services.
Data compiled from public sources · Rating from CreditDoc methodology
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.
Yes. Ciera Frazier Enterprise is a registered company, headquartered in Columbus, OH.
Ciera Frazier Enterprise plans start at Free per month with no setup fee. No money-back guarantee is offered.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Frazier Consulting Services is best 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.
New York-based legal firm specializing in consumer debt relief through validation, dispute resolution, and creditor negotiation with licensed attorneys.
Best for: New York and New Jersey residents facing active litigation from creditors who need legal representation, Consumers with disputed debts who want attorney-led validation rather than settlement negotiation
Harris County Housing & Community Development offers government-backed affordable housing, homeownership programs, and disaster recovery assistance for eligible residents.
Best for: Harris County residents rebuilding after disaster (particularly flood-prone areas), First-time homebuyers in low- to moderate-income households seeking down payment help
One World Advisor combines credit repair with business funding access, using legal teams to remove negative items and connect clients to 0% APR business capital through a network of 100+ lenders.
Best for: Business owners with damaged personal credit seeking simultaneous credit repair and growth capital, Entrepreneurs blocked from traditional financing due to collections, charge-offs, or bankruptcies on their credit report
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Ciera Frazier Enterprise and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.