Let's Tackle Those Credit Errors

Your credit report has a record of your finances and bill-paying history, and it’s important we make sure it’s accurate. Mistakes can be made at the agencies that keep these records. If we find any, we’ll show you  how to set your record straight and make sure your credit score is just right.

There’s no reason why someone else’s mistake should hold you back in improving your life. We don’t judge, and we work for you – not for the money. Best of all, sometimes we get it done in one meeting or even get it rolling with one phone conversation.

In your first appointment, we’ll:

  • Review your credit report and get your score from the 3 major credit-reporting agencies (Experian, Equifax and TransUnion – most people never hear of them until they need credit, which may be too late if the score isn’t as good as it can be.)
  • Let’s go over everything in complete detail and in simple language. Let’s make sure you understand everything and its importance.
  • You’ll know what all the score numbers mean, and which numbers are the ones to shoot for.
  • If there are any problems with your report we’ll guide you on how best to resolve them.
  • Let’s get an action plan together with a checklist of “little victories” that will let you improve our credit worthiness step-by-step.

We’ll make sure you’re on track to maintain your good credit and reach your goals.

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In your first appointment, we’ll:
  • Review your credit report and get your score from the 3 major credit-reporting agencies (Experian, Equifax and TransUnion – most people never hear of them until they need credit, which may be too late if the score isn’t as good as it can be.)
  • Let’s go over everything in complete detail and in simple language. Let’s make sure you understand everything and its importance.
  • You’ll know what all the score numbers mean, and which numbers are the ones to shoot for.
  • If there are any problems with your report we’ll guide you on how best to resolve them.
  • Let’s get an action plan together with a checklist of “little victories” that will let you improve our credit worthiness step-by-step.

We’ll make sure you’re on track to maintain your good credit and reach your goals.

 

Make an appointment now

Or call us at 215-563-5665
We're ready to help.

Appointment Information
  • 1-hour session; available in person or by phone
  • Spanish speaking counselor available
  • Arrangement can be made for hearing impaired
  • Fee:  $ 65/individual; $75 couple  
FAQs
How can I dispute an error on my credit report?

Send your letter by certified mail, “return receipt requested,” so you can document what the credit reporting company received. Keep copies of your dispute letter and enclosures. Credit reporting companies must investigate the items in question — usually within 30 days

How can I establish credit?

Get credit for the rent you pay. If you're building your credit score from scratch, you'll likely need to start with a secured credit card.

How often do credit scores change?

Your credit score changes as your credit report changes. Therefore, it can change often since new information is added to your credit report all the time

What effect can an error have on your credit report?

Account-related and derogatory mark errors could affect your credit score, which could then affect whether you'll qualify for a financial product such as a credit card or loan and what terms you can get. Personal information errors typically don't affect your credit score, but they could alert you to a reporting issue -- or even fraud.

What information goes into calculating a credit score?

Credit scores use information from three key areas of your credit report: account information (such as credit cards, auto loans, student loans, mortgages and rent), public records (such as tax liens or bankruptcies) and inquiries (requests by lenders to view your credit). Information such as race, gender, where you live and marital status are not used in credit scores

What is a credit score?

A credit score is a numerical expression based on a level analysis of your  credit files, to represent your creditworthiness .  A credit score is used by a lender to help determine whether a person qualifies for a particular credit card, loan, or service.

What is a good credit score?

While different lenders have their own standards for rating credit scores, 700 and higher (on a scale of 300 to 850) is generally considered good.

What is a secured credit card?

A secured card is backed by a cash deposit you make upfront; the deposit amount is usually the same as your credit limit.

Why is credit so important?

Your credit history and score is one of your most important parts of your financial life. Your credit score follows you forever and it will play a huge role in many major financial situations throughout your life.