Your credit report requires regular maintenance.  It can play a key role in achieving your goals of home and auto ownership, acquiring future credit and in some cases, employment and auto insurance.

 

Credit reports can be difficult to read and, sometimes, harder to understand.  Advantage Credit Counseling Services is excited to offer a credit report review product called "CreditXpert".

 

CreditXpert provides you with a credit score rating ranging from Very Poor to Excellent.  Information in your credit bureau report is used to determine this rating.  This will give you an idea of how lenders will view your credit history. 

 

You will also receive a credit report analysis.  This personalized analysis will help consumers understand, manage, and even improve their credit.  It will reveal how lenders view a consumer's own financial behavior and identify the positive, as well as the negative, factors influencing your credit score.  CreditXpert will explain factors that specifically contribute to a reduction in your credit score.  These could include missed payments, a high debt to income ratio, and a short credit history.   It also explains the positive factors in your credit file that help to increase your score. In addition, CreditXpert provides you with specific action steps that, if taken, would most improve their credit score.  It also provides the potential score increase of each action.

 

 

You have the option of receiving CreditXpert from one, two or all three credit bureaus (Equifax, Experian, and Trans Union).

 

$19.00 for an individual single report (Experian)

$40.40 for a merged single report (from all three credit bureaus)

$35.00 for a joint single report  (Experian)

$72.50 for a joint merged report (from all three credit bureaus)

 

Credit Card

Debit Card

Money Order (report will be mailed upon receipt of money order)

Personal checks are not accepted.