Credit Report Review by Credit Expert

Your credit report requires regular maintenance to improve your credit score. It can play a key role in achieving your goals of home and auto ownership, acquiring future credit and in some cases, employment and auto insurance.

Credit reports can be difficult to read and hard to understand. Simple Credit Counseling Service is excited to offer a credit report review product called "Credit Expert" to help you to improve your credit score from poor to excellent.

Credit Expert provides you with a credit score rating ranging from very poor to excellent. Information in your credit bureau report is used to determine your credit score rating. This will give you an idea of how lenders view your credit history.

You will also receive a credit report analysis showing your current credit score. This personalized credit report analysis helps consumers understand, manage and even improve their credit score. It reveals how lenders view a consumer's financial behavior and identifies the positive as well as the negative factors influencing your credit score.

Credit Expert will explain factors that specifically contribute to a reduction in your credit score. These can include missed payments, a high debt-to-income ratio and a short credit history. It also explains the positive factors in your credit file that help to increase your score.

In addition, Credit Expert provides you with specific action steps that would most improve your credit score. It also shows the potential score increase of each action.