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Understanding and Improving Your Credit

Gain the knowledge and tools you need to build a lifetime of great credit.

Don’t let your credit hold you back

Your credit report and credit score are incredibly important parts of your overall financial health, influencing 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.  

But credit’s not always easy to understand. Credit reports can be confusing and the path to building a strong credit history is by no means obvious. Without the right tools and guidance, you can potentially make mistakes that affect you for years.

Jumpstart your credit IQ

With so much on the line, including big dreams like owning a home or starting your own business, you can’t leave your credit up to chance. If you’re confused or uncertain about what’s on your credit report, let our experts show you exactly what your credit report is saying about you.

MMI offers one-on-one, in-depth credit report reviews to anyone looking to increase their credit clarity. At the end of your session, you will understand:

  • What’s on your credit report
  • Your current credit score
  • Factors that influence your score
  • Specific action steps to improve your credit going forward

By analyzing your credit report, we can help show you what it takes to manage past mistakes and build strong credit going forward.

MMI is not a credit repair company and no statements made on this page are intended as credit repair.

Credit Report Review
How it works
Man on phone, working on laptop

Every credit report review session at MMI begins with your counselor pulling a copy of your current credit report from Experian. You and your counselor then discuss the items on the report, reviewing the listed accounts and making note of any negative marks that may be impacting your score.

Presuming the information is accurate, your counselor will then provide your current credit score and examine the factors that attribute to that score. After discussing your personal long-term and short-term goals, your counselor will provide a series of recommendations for next steps to help you achieve those goals.

Once the session is completed, you’ll receive an action plan detailing your counselor’s recommendations, as well as a summary detailing the key factors impacting your score. This helpful tool provides personalized insight into your credit score and any issues you’ll want to address.

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 this service?
Is there a fee for this service?
Yes, the standard fee for 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.
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Will I receive my credit score?
Will I receive my credit score?
Yes, your score will be disclosed as part of the review.
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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 AnnualCreditReport.com to access your report.
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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.
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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.
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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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THEY'VE BEEN WHERE YOU ARE TODAY
  • The MMI representative I dealt with was empathetic, well versed, and explained everything to me thoroughly. I’d recommend MMI to anyone who wants to get off the debt rat race and get control of their finances in a timely fashion!
  • 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.
  • Great support for your financial management. Money Management helps to get your credit back on track.
  • When I was told about MMI at first I had reservations and thought that this would be a gimmick. I spoke to someone on the phone, gave them my information, they told me what they had to do and what my responsibilities were and 4 years later with the help of MMI all of my 8 creditors have been paid off in full.
The MMI Advantage
Our mission is to empower families and individuals to overcome their challenges through financial education and coaching. We’re here to help you succeed.
  1. Nonprofit
    As a 501(c)(3) nonprofit organization, we take pride in providing unbiased advice and expert instruction.
  2. Experience
    We’ve been providing one-on-one financial guidance and support since 1958.
  3. Support
    We know there’s rarely just one issue holding you back. That’s why we offer multiple services to address a variety of key financial pain points. Once you’ve mastered your credit, we have solutions in place to help you repay debt, manage student loans, and much more.
Crystal, an MMI counselor
  • The Consumer Federation of America (CFA) is 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.
  • The National Council of Higher Education Resources (NCHER) is the nation’s oldest and largest higher education finance trade association. NCHER’s membership includes state, nonprofit, and for-profit higher education service organizations, including lenders, servicers, guaranty agencies, collection agencies, financial literacy providers, and schools, interested and involved in increasing college access and success. It assists its members in shaping policies governing federal and private student loan and state grant programs on behalf of students, parents, borrowers, and families.

  • Since 2007, the Homeownership Preservation Foundation (HPF) has served as a trusted, neutral source of information for more than eight million homeowners. They are partnered with, and endorsed by, numerous major government agencies, including the U.S. Department of Housing and Urban Development and the Department of the Treasury.

  • The mission of the U.S. Department of Housing and Urban Development (HUD) is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD works to strengthen the housing market in order to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; and build inclusive and sustainable communities free from discrimination.

  • The Council on Accreditation (COA) is an international, independent, nonprofit, human service accrediting organization. Their mission is to partner with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards.

  • The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.