Credit Score Management

I have been assisting several individuals with improving their credit. I know most companies are rip offs. But, unlike someone who takes your money and runs off doing nothing. I sit down and map out how to approach removing the credit issues. What I clarify is anyone of course can provide these services. I am familiar with the FCRA, FDCPA, Statue Of Limitation Laws, etc. Last year in helping people I help 20 people acheive their goals. I feel I have something legitmite to offer people. I guess my question is I’ve checked with my state (MD) and I found there were no applicable licence for my business type. I only would have to be licenced and bonded if I act as one of these debt consolidation which I choose not to be. But, in networking I spoke to someone who advised my state is leary of that term….Does anyone know for sure if this is legal?