What to Bring to Your One-on-One Expert Credit Review

To make the most out of your Expert Credit Review and get tailored advice for improving your credit score, please bring the following information:

1. Your Full Credit Report

• Where to Get It: You can obtain your free annual credit report from AnnualCreditReport.com (you’re entitled to one free report from each of the three bureaus—Equifax, Experian, and TransUnion—every year).
• Why It’s Important: Your credit report provides detailed information about your credit history, including credit accounts, outstanding balances, payment history, and any negative marks like late payments or collections. We’ll review this report in-depth to create a personalized plan for improvement.

2. Your Current Credit Score (If Available)

• Where to Get It: Your credit score may be available on the credit report itself, or you can get it from services like Credit Karma, Experian, or Chime.
• Why It’s Important: Knowing your current score helps us focus on which areas of your credit need the most improvement and gives us a starting point for setting achievable goals.

3. Personal Identification Information

• Documents to Bring:
  
  • Driver’s License or State ID (for identity verification).
• Why It’s Important: For identity verification and ensuring we’re discussing the right credit information.

4. Any Discrepancies or Disputes

• What to Prepare:
  
  • If you have identified any inaccuracies on your credit report (incorrect account information, late payments, etc.), bring documentation regarding any disputes you’ve filed or plan to file.
• Why It’s Important: Resolving discrepancies can improve your credit score and remove negative marks. We can help guide you on how to proceed with disputes and remove errors from your report.

5. Any Questions You Have About Your Credit or Financial Situation

• What to Prepare:
  
  • Write down any questions or concerns you have regarding your credit, debt management, or financial goals.
• Why It’s Important: We want to ensure that all your questions are addressed, and bringing prepared questions will allow us to give you focused, actionable advice.

Additional Notes:

• If you have any credit-related documents that aren’t mentioned here but you believe are important, feel free to bring them along! The more information you provide, the better we can help you.
• Don’t worry about having everything perfect! If you’re missing some documents, we can still provide valuable guidance to help you get started.

Get ready for your Expert Credit Review session to be a step toward financial empowerment!