LOG IN BLOG COVID-19 LOCATIONS ESPAÑOL CONTACT US 866-889-9347 DEBT RELIEF COUNSELING SERVICES FINANCIAL EDUCATION Credit Report Reviews Concerned about your credit? Our experts can help you unlock the secrets of your credit report and start building strong credit for a lifetime. UNDERSTANDING YOUR CREDIT REPORT A little help can go a long way. We provide the tools and guidance to make it easy. Your credit report and credit score influence your ability to get a loan, buy a car, own a home, rent an apartment, find affordable insurance, land a good job, and so much more. WHAT IS A CREDIT REPORT REVIEW? A confidential, one-on-one credit report review from MMI is a great way to demystify credit. Working with a certified credit counselor, you’ll examine all the information shared on your credit report, section by section. Your counselor will help you understand what it all means, how each item is potentially impacting your credit score, and what you can do to improve your overall credit health. Strong credit can be the difference between reaching your big picture goals and falling short. WHAT CAN A CREDIT REPORT REVIEW DO FOR ME? Bad credit can be extremely costly. Low credit scores usually lead to high interest rates and a lack of options when it comes to mortgages, auto loans, credit cards, and insurance offers. If you’re worried about your credit, a credit report review is an excellent way to begin making positive changes. Each session includes two key features: YOU GET A BREAKDOWN OF YOUR CREDIT SCORE We’ll share your current score and discuss all the factors that go into making a good (and bad) credit score. Most importantly, we’ll focus on the top factors that may be bringing your score down. YOU’RE PROVIDED RECOMMENDATIONS AND ACTION PLANS TO IMPROVE YOUR CREDIT SCORE Good credit doesn’t happen overnight, but we can give you a roadmap to improving your credit health quickly, all while creating the habits that build good credit for a lifetime. MMI is not a credit repair company and does not provide credit repair services. IS A CREDIT REPORT REVIEW RIGHT FOR ME? A credit report review is a great first step for any consumer that wants to learn more about their personal credit. If any of the following sound like you, though, it may be an especially good idea to work with a certified credit expert: You’ve never looked at a credit report before and need help understanding what’s on your personal report. You’ve recently had a loan or credit application rejected and you aren’t sure what to do next. You plan on making a major purchase soon and need your credit history to be as solid as possible. You suspect that there may be errors on your credit report, but don't know how to verify that. In other words, if your credit is holding you back and you’re ready to start building the strong credit profile you deserve, give us a call, and connect with a certified expert today. Begin your credit report review today Representatives are available 24/7 866-850-4894 BAD CREDIT FROM MISSED PAYMENTS? If you’re struggling to keep up with bills, free credit counseling can help you build a better budget and discover powerful debt repayment tools. LEARN MORE WHY DO YOU NEED GOOD CREDIT? A strong credit history is an important part of your overall financial health. While it may be possible to live on cash alone, building a positive credit history makes it so much easier to qualify for loans, get favorable insurance rates, land your dream apartment, and much, much more. If you’ve been avoiding thinking about your credit history, consider all the ways that a strong credit history can improve your life. IT SAVES YOU MONEY Mortgages and car loans can cost hundreds more per month when you have poor credit. IT CAN HELP YOU LAND A JOB Approximately 25% of HR professionals use credit checks to spot red flags in applicants. IT CAN REDUCE YOUR CAR INSURANCE COSTS Nearly all major insurers use a credit-based score to help calculate your auto insurance premiums. IT HELPS KEEP THE LIGHTS ON Utility companies may require a deposit or deny you service outright if your credit is bad. IT’S EASIER TO RECOVER Unemployment and other setbacks are easier to manage when you can borrow money at an affordable rate. IT CAN GIVE YOU PEACE OF MIND Over half of Americans report being anxious about money. Good credit provides a very reassuring safety net. WHAT HAPPENS DURING A CREDIT REPORT REVIEW SESSION? WE BEGIN BY PULLING A COPY OF YOUR MOST RECENT CREDIT REPORT FROM EXPERIAN Together, we discuss all the items on the report, reviewing the listed accounts and making note of any negative marks. NEXT, WE DISCUSS YOUR CREDIT SCORE We pay special attention to the specific factors that may be impacting your score. After discussing your credit goals, we’ll provide you with personalized recommendations and suggested next steps to help you reach your goals. EVERYTHING IS SUMMARIZED IN YOUR UNIQUE CREDIT BUILDING ACTION PLAN By the end of the session, you should be equipped with the knowledge and direction you need to start building better credit. CREDIT REPORT REVIEW FAQS Want to learn more about credit report reviews from MMI? Here are some of the questions we get asked the most often. Is there a fee for credit report reviews? Will I receive my credit score? Is this service confidential? Will you help me remove negative items from my credit report? Will the credit report review session impact my credit score? Will I receive a hardcopy of my credit report? How long does a credit report review session last? How do I begin a credit report review counseling session? START YOUR CREDIT REPORT REVIEW TODAY Great credit is a marathon, not a sprint. The best time to start working on building a strong credit history is right now. If you need help understanding what’s on your credit report, we’re here for you! GIVE US A CALL Begin your credit report review session immediately or schedule an appointment. 866-889-9347 LEARN ABOUT CREDIT COUNSELING Too many bills and not enough money to go around? Free credit counseling is a great place to start. 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