Credit Report Reviews

Concerned about your credit? We all are. Strong credit can be the difference between reaching your big picture goals and just falling short.

Don't stay in the dark! MMI offers one on one credit report review sessions, designed to help you understand what's on your report and what you need to do to build a stronger credit history. Our trained counselors will pull your report and review your available credit history, taking the time to answer all your most pressing credit questions.

How it Works

There are three main components to every credit report review session.

  • Discussing your report | Your counselor will pull a copy of your current credit report from Experian, one of the three major reporting agencies in the United States. One by one, you'll review and discuss the accounts and negative marks listed on your report.
  • Reviewing your score | Your session also includes a discussion of your current credit score. Your counselor will provide your score and go over the factors that make up your score, with special focus on any factors that may be bringing your score down. 
  • Recommendations and action plan | Finally, after you've discussed your financial goals, your counselor will provide personalized recommendations and an action plan to help you reach those goals.

You should leave your credit report review session with a better understanding of where you stand with your credit, as well as a clear set of next steps to help you make build the credit history you want.

Appointments are available by phone. Call 866-889-9347 to schedule your session today.

MMI is not a credit repair company and does not provide credit repair services.

Who Can Benefit?

We're happy to provide a credit report review for any consumer that wants to learn more about their personal credit. The consumers who would benefit the most from a credit report review session are typically those who:

  • Have never looked at their credit report before and aren't sure what to look for
  • Recently had an application for credit rejected and don't know what to do next
  • Will be making a major purchase in the near future and need their credit history to be as solid as possible
  • Suspect that there may be errors on their credit report, but don't know how to verify that

Bad credit can be extremely costly. If you have a credit blind spot, do yourself a favor and connect with one of our trained coaches. 

Getting Started

Speak To a Counselor

Begin immediately or schedule an appointment. Representatives are available 24 hours a day, 7 days a week by telephone, so you can start the process any time.


Frequently asked questions

Credit and personal finance can be a sensitive subject, so please never hesitate to ask questions about our services. Your privacy and peace of mind are incredibly important to us.
Is there a fee for credit report reviews?

Is there a fee for credit report reviews?

Yes, the standard fee for a credit report review session is $59, collected at the end of your session. Consumers residing in Kansas and Oregon are charged a $49.99 fee at the end of the session. 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?

Yes, your score will be disclosed as part of the review.
Will I receive a hardcopy of my credit report?

Will I receive a hardcopy of my credit report?

No, we aren’t 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 to access your report.
Will the credit report review session impact my credit score?

Will the credit report review session impact my credit score?

No. When we pull your credit report it’s considered a “soft” inquiry and generally does not impact your credit score.
Will you help me remove negative items from my credit report?

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 at least seven years. If you feel that an item on your report is in error, however, we can provide you with instructions on how to dispute such an error.
Is this service confidential?

Is this service confidential?

Yes. Your participation will not be reported to any creditors or other third parties.
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  • "From the first telephone call to the last telephone call four years later, Money Management International was awesome! Even once the last payment was made, MMI let me know they are still there should I have any questions or needs. I know there are a lot of services available doing the same thing, but MMI goes above and beyond to make the process as painless as possible."
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    MMI is proud to have achieved an A+ rating from the Better Business Bureau (BBB), a nonprofit organization focused on promoting and improving marketplace trust. The BBB investigates charges of fraud against both consumers and businesses, sets standards for truthfulness in advertising, and evaluates the trustworthiness of businesses and charities, providing a score from A+ (highest) to F (lowest).
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  • Consumer Federation of America Consumer Federation of America
    MMI is a member of the Consumer Federation of America (CFA), an association of nonprofit consumer organizations that was established in 1968 to advance the consumer interest through research, advocacy, and education. Today, nearly 300 of these groups participate in the federation and govern it through their representatives on the organization's Board of Directors.
  • Department of Housing and Urban Development Department of Housing and Urban Development
    MMI is certified by the U.S. Department of Housing and Urban Development (HUD) to provide consumer housing counseling. The mission of HUD is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD provides support services directly and through approved, local agencies like MMI.
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    MMI is proudly accredited by the Council on Accreditation (COA), an international, independent, nonprofit, human service accrediting organization. COA’s thorough, peer-reviewed accreditation process is designed to ensure that organizations like MMI are providing the highest standard of service and support for clients and employees alike.
  • National Foundation for Credit Counseling National Foundation for Credit Counseling
    MMI is a longstanding member of the National Foundation for Credit Counseling® (NFCC®), the nation’s largest nonprofit financial counseling organization. Founded in 1951, the NFCC’s mission is to promote financially responsible behavior and help member organizations like MMI deliver the highest-quality financial education and counseling services.