30 min Credit Building Consultation

Service Description

Credit Report Review They'll go over your current credit report (from one or all 3 bureaus). Point out any negative marks (late payments, collections, high utilization). Highlight positive accounts and opportunities for improvement. 📊 Credit Score Breakdown Explain what’s affecting your score the most (e.g., payment history, credit utilization, age of credit, etc.). Identify quick wins and long-term strategies. Customized Credit-Building Tips Recommend credit-building tools (secured credit cards, credit-builder loans, authorized user accounts, etc.). Advise on paying down debt in a way that boosts your score fastest. Strategy & Next Steps Short-term plan: What you can do this month. Long-term goals: Roadmap to good/excellent credit. Disputes & Cleanup If applicable, they might discuss how to dispute errors or remove inaccurate negative items.