Our Credit Report Review service is currently unavailable. We are retooling this service in order to maximize its value to our clients. If you need personal financial counseling, consider speaking with a Debt & Budget Counselor.
A lot of big dreams are tied directly to your credit report. Buying a new car, owning your first home, starting your own business – the information on your credit report will go a long way towards determining whether or not you reach many of your personal goals.
But do you know what’s on your credit report? Do you know how to read a credit report and do you understand what that information means for you and your dreams?
We can help
MMI now offers consumers a Credit Report Review (CRR). In this one-on-one session, we pull a copy of your credit report and review the information with you, including your current score.
By analyzing your credit report, we can help you understand the impact of late payments or other negative items and create a plan to begin rebuilding a damaged score.
A Credit Report Review will also help you discover any errors on your report that may be affecting your score. The Federal Trade Commission has found that five percent of all consumer credit reports contain errors that could impact your score, costing you money on loans or insurance. The sooner you find and address those errors the sooner you’ll have the score you deserve.
Will I receive my credit score? Yes, your score will be disclosed as part of the review.
Will I receive a hardcopy of the credit report? No, we are not able to provide you with an electronic or printed copy of your credit report as part of your review. However, you are entitled to a free copy of your credit report every year. Visit AnnualCreditReport.com to access your report.
Will the Credit Report Review session impact my credit score in any way? No. When MMI pulls your credit report it is considered to be a “soft” inquiry and generally does not impact your credit score.
Will you help me remove negative items from my credit report? If a negative item on your report is legitimate then it will stay on your report for seven years. If you feel that an item on your report is not legitimate, however, we can provide you with instructions on how to dispute such an error and have it removed from your report.