My name is Jameson.
With regards to your query, personally, both malibu and myself did not go for credit counselling but we did have our problems while applying for hdb loan.
Firstly, I was a divorcee prior to marrying malibu. I had a resale flat but never really lived in it cos my previous relationship took a turn and I was denied access to my flat with my foreign wife.
Secondly, when malibu and I got married, we applied for a BTO (due 2014) and I had some problem due to my previous flat, existing credit balance which I was trying to settle with banks (yes, banks. Multiple credit cards). Although I had settled the balance of my previous flat, my balances with the banks were a major concern. Luckily, apart from being classified as a second time flat owner, we didn't really have much problem with the HDB loan (HDB loan are applicable to first and second time applicants) and was granted with more than what we really need (we were able to take up a loan of up to 500K but our flat only cost 275K).
Thirdly, we need to identify the type of credit counselling that you are referring here:
1) Is it due to her over drafting and/or exceeding her credit limit with bank which amounted to bad credit debts?
2) Is it due to her fear that once divorced, she might no longer be qualified to take up a HDB loan?
3) Is it due to her low salary cap?
Lastly, credit counselling might not be all a bad thing. A credit counselling could be treated as a form of financial advise for future interest (pretty much like a financial counselling when you registered with ROM) and also as a form of foresight to better prepare you for what's to come along the way. Especially if one is to be divorced, has not immediate income, fighting for custody over children and is unable to provide for one self, let alone for the children.
So, to conclude, if you are able to at least provide an insight of your gf's "credit" concern, I believe i will be able to provide you with a better view on your query.
Hope this reply is somewhat, of use to you.
Jameson - Husband of malibu
(Happily married since 20-09-2009 with a 17 weeks old baby girl)