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Credit Reports and Credit Score Advice

MMI Services that can help:

  • MMI offers free budget and debt counseling to those who need help with budgeting, money management skills, and credit issues.

  • MMI offers a wide variety of financial services to help improve your financial life. No matter what your financial situation, we can help you to establish an plan of action for achieving your financial goals.

  • A Debt Management Plan is one way MMI can help you resolve your credit problems and repay your debt.

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Your credit report and credit score, when used together, provide an inspection report of your past use of credit. Good credit is an asset so it pays to establish or reestablish your creditworthiness. Money Management International offers credit report and credit score advice, including directions on how to receive your credit score, an explanation of what factors determine your credit score, and instructions on how to verify that the information in your credit score is accurate. Building a positive credit history is the key to obtaining the best credit terms and rates.

Popular Credit Reports and Credit Score Advice Resources


You may have recently seen your credit score and wondered how you could improve it. Understanding what is used in the calculation of your credit score is the first step.

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Posted In: Credit Reporting

Have you recently had a credit card or loan application rejected? If you have, you have the right to know why your application was denied.

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Posted In: Credit Reporting

Why is my credit history important? What information is contained on my credit report? Who reports to the credit bureaus? How often is a credit report updated? Where do I get copies of my credit reports?

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Posted In: Credit Reporting

The three credit reporting bureaus deal with a substantial amount of information daily. As a result, mistakes can occur on your credit report.

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Posted In: Credit Reporting

Developing good credit is an ongoing process that starts with understanding how credit reporting works. While paying your bills is an essential step in the right direction, there are other smaller, lesser-known steps that are key to establishing and keeping a clean credit report.

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Posted In: Credit Reporting

Prior to 2003, consumers who were interested in reviewing their credit file disclosure (commonly called a credit report) either had to pay a fee, live in one of the states with state-mandated free reports, or have been denied credit.

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Posted In: Credit Reporting
The Dodd-Frank Act also made amendments to the Fair Credit Reporting Act that became effective on July 21, 2011. More
When it comes to boosting your FICO credit scores there are a variety of strategies that will yield varying amounts of improvement. More

Many clients tell us that once the bankruptcy is complete, they will never apply for credit again. However, in today’s financial world, that may not be realistic. You might also need a car or home and finance it over time.

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Damage to the data strip on the back of your card can make it impossible to swipe and pay.

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Posted In: Credit Cards