Credit Report Review FAQs
Do I get a copy of by credit report?
Your Financial Advocate will forward you a copy of your credit report and score once your credit report review session is completed.
Is there a charge for the session?
The credit report review, including the credit report, is $40 for an individual and $60 for a couple.
What happens during the session?
A Financial Advocate will access your credit report and:
- Explain how to read the credit report
- Explain the main influencers on your credit score
- Explain who reports information to the credit report bureaus and what the information means
- Provide details on how long derogatory information remains on your credit file
- Provide details on how to dispute inaccurate information
- Create an Action Plan with action steps specific to your credit report
- Discuss strategies that may assist in improving your credit worthiness
Is my credit score hurt as a result of it being pulled for the session?
The request for your credit report for the purposes of your credit report review session is considered a “soft pull” and will not impact your credit score. A “soft pull” means that your report is being pulled for information purposes only and not in relation to extending credit.
Will the session help repair my credit report?
CCCSMD is not a credit report repair entity and does not dispute or delete items from your credit report. Your Financial Advocate will review possible steps you can take yourself versus paying a for-profit organization.