Credit Report Review
Understand your credit report and learn how to improve your credit score with our expert review services.
Understanding Your Credit Report
Your credit report is a detailed summary of your credit history, including your payment history, credit accounts, and public records. It's used by lenders, landlords, and sometimes employers to evaluate your creditworthiness.
What's Included in Your Credit Report?
- Personal information (name, address, Social Security number)
- Credit accounts (credit cards, loans, mortgages)
- Payment history (on-time payments, late payments, missed payments)
- Credit inquiries (when someone checks your credit)
- Public records (bankruptcies, foreclosures, tax liens)
How Our Credit Report Review Helps You
Our certified counselors will review your credit report with you, explaining each section and helping you understand what factors are affecting your credit score. We'll help you:
- Identify errors or inaccuracies that could be lowering your score
- Understand how your financial behaviors impact your credit
- Learn how to dispute errors with credit bureaus
- Develop strategies to improve your credit score over time
- Create a personalized action plan for better credit health
Steps to Improve Your Credit Score
- Pay all bills on time, every time
- Keep credit card balances low (below 30% of your limit)
- Don't close old credit accounts (length of credit history matters)
- Be cautious about opening new credit accounts
- Regularly check your credit report for errors
By law, you're entitled to one free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) every 12 months through AnnualCreditReport.com.
Benefits of Credit Report Review
- Identify and correct errors that may be hurting your score
- Understand what factors are affecting your credit score
- Get personalized advice for improving your credit
- Learn how to protect yourself from identity theft
- Develop a plan to achieve your financial goals
What to Expect During Your Session:
Our counselors will review your credit report with you, explain what it means, identify areas for improvement, and help you create an action plan.
Did You Know?
About 20% of consumers have errors on at least one of their credit reports that could affect their credit scores.
Ready to Understand Your Credit Report?
Our certified counselors are here to help you understand your credit report and improve your credit score.
Get Started Today