Do you have errors on your credit report? Did you know that almost 80% of credit reports contain some type of error? If you aren’t sure what’s on your report, ask us! We offer a credit report review service that is completed in-person at one of our many locations.
Your credit report can influence your ability to buy a home, rent an apartment, buy or lease a car, obtain decent insurance rates, or even land that new job. Let us help you get a better understanding of what’s on your credit report, what’s included in your credit history, what your current credit score is, and show you possible ways to improve your credit worthiness on your own.
Our service provides these great benefits:
- Face-to-face session with a certified credit counselor
- Understand everything that’s on your credit report
- Learn what your current FICO credit score is
- Comprehend exactly how your credit score is determined
- Find out how to correct inaccuracies or errors on your credit report
- Guidance on how to improve your credit score on your own
- Know how to protect yourself against identity theft and fraud
Prices for Credit Report Review Session:
$65 for single person
$70 for a couple
What to Expect –
One of our credit counselors will go over the basics of the credit report review session with you so you can gain insight on what you’re going to learn during the session. The session is completely private and always performed by a highly trained and certified credit counselor.
The credit counselor will provide you with a complete overview of what’s on your credit report and may offer some suggestions that could potentially help increase your credit score in the future. (Note: We do not offer credit report repairs or maintenance) The purpose of this Credit Report Review session is to ensure that you have a better understanding of your credit report and to give you some guidance on possible ways to improve your credit worthiness. Nevertheless, there is no guarantee that we will be able to provide advice on how to increase your credit score, this will be determined on a case by case basis.
We only pull a credit report from Experian and do not pull from any other credit reporting bureau. If you would like to review your credit report from the other major reporting bureaus, you must bring a copy of that report with you to the session. We recommend that you pull the other copies of your credit report from www.annualcreditreport.com and bring them with you to the session. It’s federal law that you are allowed to obtain copies of your credit reports once a year for free through the website listed above. Do not trust those other “free” credit report websites that you see advertisements for because they are not really free.
After completing the session, you will have a full understanding what’s on your credit report, what your FICO credit score is used for, the importance of using credit wisely, and how to keep your credit report up-to-date and correct. All of this information will help you keep a better handle on your personal finances and help you fix any errors on your credit report (sample dispute letter for creditors will be provided). Checking your credit report regularly is a crucial step in protecting yourself from identity theft, fraud, or inaccurate reporting information; which happens more often than you think.
Our certified credit counselors are professional, friendly, and knowledgeable. To set up a face-to-face appointment, please call (800) 599-6497 or email us at [email protected].org. We look forward to hearing from you!
Consumer Credit Counseling Service of Western Pennsylvania (CCCS of Western PA) has changed its name to Advantage Credit Counseling Service, Inc. (Advantage CCS).
On April, 8th 2004 CCCS of Western PA was rebranded to the new name of Advantage Credit Counseling Service, Inc. and we also have a new website at www.advantageccs.org. We are the same reputable and trusted non-profit credit counseling agency that has been helping people with their debt for over 49 years. Advantage CCS is still Pennsylvania’s largest consumer credit counseling agency.
Founded in 1968, Advantage CCS is headquartered in Pittsburgh, Pennsylvania with multiple office locations across the state. We are a non-profit credit counseling agency that is approved and licensed. We are proud members of the National Foundation for Credit Counseling (NFCC) and accredited by the Council on Accreditation (COA).