Credit Report Review FAQs

How long does a credit report review session last?

Everyone's credit history is different and so is every credit report review session. Each review session is tailored to meet the specific needs of the consumer. Depending on the complexity of your credit report and other credit topics you may want to discuss, your review session could be anywhere from 30 to 90 minutes. Remember, however, that this service is for you – if you want a brief session, or an in-depth one, we'll work with you to make that happen. 

Is there a cost for this service?

Yes, the standard fee for credit report review counseling 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.

Are your services confidential?

Confidentiality is one of the fundamental benefits of all our counseling services. Your participation in a counseling session is not reported to anyone unless otherwise disclosed or agreed to by you. We don’t report to the credit reporting agencies.

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?

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.

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?

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.

How do I begin?

You can schedule your credit report review session by calling 866.889.9347 or completing the online counseling request form.