Credit score counseling: what is it & how does it work?

Your credit score may seem like a random number, but it provides financial institutions and other companies with a snapshot of how “creditworthy” you are, which can have a big impact on your life. Understanding how credit scores and reports work can help you achieve financial goals such as buying a home, leasing a car, or paying off debt. But how do you create a plan to make credit work for you? We’ve got you covered!

The caring financial professionals at CCOA offer a low-cost service ($30 for individuals, $40 for a couple) called a Credit Report Review to help you build your credit plan. In a Credit Report Review the certified credit advisor will do a few things:

  • Listen to your financial situation and help you develop some simple goals.
  • Pull your credit report from Experian (don’t worry, this does not impact your score).
  • Review your report with you for any issues.
  • Develop a plan to address any negative impacts to your credit history and create a strategy for improving your score.

Many clients have found this service helped them improve their credit scores, obtain loan approval and save money through lower interest rates. Get started with a Credit Report Review by phone or in person through our appointment request page today.

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