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Mastering your credit

We give you the knowledge and tools 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. The information contained on your credit report can 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. The difference between good credit and bad credit can be devastating and costly.

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.

Find and eliminate costly credit reporting errors

Though rare, credit reporting errors do happen and the impact on your credit score can be significant. During the course of your credit report review, we can help you locate any potential errors and provide guidance on the dispute process. The sooner you find and address any errors on your credit report, the sooner you’ll have the accurate score you deserve.

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
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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 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
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