Headquartered in Dayton, Ohio, Credit Mentoring And Consulting, Inc. (CMAC) is a fully licensed and bonded credit services organization focusing on financial literacy education with specific regard to credit scoring. CMAC was founded to provide consumers a resource for their credit concerns, questions, and issues with support from personal credit score professionals. CMAC is the personal services division of Credit Empowerment, one of the nation's foremost promoters of financial literacy education. CMAC's extended mentoring and coaching services reinforce new learned behaviors and draft a comprehensive, personalized strategy going far above and beyond any credit repair program. CMAC is accredited with the BBB and carries an outstanding A+ rating.