CREDIT REPORT REVIEW
When it comes to credit reports,
what you don't know CAN hurt you. Your reports are used in many parts of life:
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By lenders to determine rates for credit cards, home and car loans
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By employers as part of hiring decisions
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By landlords as part of
rental decisions
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By insurance companies as part of determining your premium rates
Understanding what's in your credit report is an important part of managing your finances. LSS Financial Counseling can help.
We offer a free Credit Report Review service to all in-person or phone counseling clients. (When possible, In-person appointments for credit report review are preferred. Sorry - we are unable to offer this service to our on-line clients.) Here's what you can expect during a Credit Report Review:
- A complete review to help you read and understand what's on your credit report
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An individualized Case Action Plan listing the steps you can take to improve your credit report and/or score.
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Handouts including your rights under Fair Credit Reporting Act (FCRA) and Fair and Accurate Credit Transaction Act (FACTA) laws and sample dispute letters you can use to correct any mistaken information
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Make an Action Plan to
improve your credit
To take advantage of this free service, you will need to obtain a copy of your credit report, ideally one from each of the three national credit bureaus (Experian, Equifax and Transunion.) It's simple go to www.annualcreditreport.com and download your report online or download the form to request them by mail. While the annual credit report is free, you might also want to purchase your credit score using a debit or credit card. Credit scores are available through the www.annualcreditreport.com site or at www.myfico.com.
Once you have your report, call us to make an appointment by phone or in-person at our office locations!
Want to understand what's in YOUR credit report? Call us today!
888-577-2227
