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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.

What happens during a credit report review session?

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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?

Is there a fee for credit report reviews?

Are there fees?Yes, the standard fee for a credit report review session is $59, collected at the end of your session. For consumers residing in Kansas and Oregon, the fee is $49.99. Income-based fee reductions are available – speak to a counselor for more details.
Will I receive my credit score?

Will I receive my credit score?

MMI will share and discuss your score as part of the reviewYes, we will share and discuss your score as part of the review.
Is this service confidential?

Is this service confidential?

MMI's credit report review is confidentialAbsolutely! We care deeply about your privacy. Your participation in a credit report review session will not be reported to any creditors or other third parties.
Will you help me remove negative items from my credit report?

Will you help me remove negative items from my credit report?

If an error is discovered on your report, MMI will provide you with instructions on how to file a dispute and get the error removedIf we discover an error on your report, we’ll provide you with instructions on how to file a dispute and get the error removed. If a negative item on your report is legitimate, however, then it will stay on your report for at least seven years.
Will the credit report review session impact my credit score?

Will the credit report review session impact my credit score?

The credit report review session should not impact your credit scoreNo. When we pull your credit report it’s considered a “soft” inquiry, which shouldn’t impact your credit score.
Will I receive a hardcopy of my credit report?

Will I receive a hardcopy of my credit report?

A hardcopy of your credit report isn't available from MMI.We’re not able to provide you with an electronic or printed copy of your credit report as part of your review. However, you can easily find and download a free copy of your credit report at AnnualCreditReport.com.
How long does a credit report review session last?

How long does a credit report review session last?

A credit report review session is tailored to meet your unique needs, so the time it takes varies.Everyone's credit history is different and so every credit report review session is tailored to meet your unique needs. Depending on the complexity of your credit report and your questions, a review session could be anywhere from 30 to 90 minutes.
How do I begin a credit report review counseling session?

How do I begin a credit report review counseling session?

Begin a credit report review counseling sessionYou can schedule your credit report review session by calling 866-889-9347.
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