Transcending Limitations Credit and Debt Counseling is a National Debt and Credit Resource Centre, dedicated to protecting and assisting Canadians to find the right solution for their debt and credit challenges. At Transcending Limitations Credit and Debt Counseling, we recognize that every financial situation is different, so improving your financial outlook requires a customized plan specifically designed for you. Our New Beginnings programs offer you options to build a better credit future so you can reach your financial goals.