Credit Building Toolkit

Building a credit history is a critical financial asset because credit scores are used by mortgage lenders, employers, insurers, landlords, and others. A positive credit history is crucial to long-term financial prosperity. Developing a sound credit history requires taking on and then paying down debt.

Free Annual Credit Report
Every year, every American is entitled to a free copy of their report from each major credit reporting bureau. In order to protect yourself from identity theft and be aware of possible fraudulent credit obtained in your name, and to correct any incorrect data you should review your credit report at least once per year. Learn More..

How Credit Scoring Works
Each credit reporting bureau supplies a score which lenders take into consideration when deciding if and how much money to lend, and at what interest rate. We supply some insignt into just how those scores are calculated. Learn More...

Credit Report Review Consultation
We can help you receive the free reports metioned above and also offer a free and confidential credit report review to ensure you have the necessary tools to improve, maintain and protect your credit standing. Learn More... or feel free to call now for your counseling review session at 800-351-4195.

My Credit Plan
After years of extensive research, My Credit Plan was designed by a team of credit experts to help consumers make informed credit decisions in order to improve creditworthiness and realize greater savings on all types of financial products and services. Learn More..

Your Credit Report
This ConsumerCents guide provides a quick overview of what exactly goes into your credit report, tips on improving your credit score, and steps you can take to correct inaccuracies listed in your credit report. Read More...

This content is also available as a self-paced online learning session here as part of our Virtual Classroom series.

The Truth About Credit Repair Companies
No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Everything a credit repair company claims they can do for you legally, you can do for yourself at little or no cost. Read More...

Credit Report FAQs
Manging your credit report questions answered by the experts. Read More...