Get Help Interpreting Your Credit Reports

A credit-report consultation is for consumers who already have bureau information and want help understanding what it means. The consultation should distinguish explanation, factual verification and formal dispute steps.
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What to bring
Use the reports, relevant account statements and any documents that relate to the entries you want reviewed.
UNDERSTAND THE INFORMATION
What the consultant should explain
Scores in context, payment profile, enquiries, defaults, judgments, balances, identity information and differences between bureau files.
What the consultant must not promise
No guaranteed deletion, score increase, vehicle-finance approval, home-loan approval or interest rate.