Do you know how to read your credit report? Do you understand what is important to fix, change, remove, delete or correct? Do you know what will hurt your credit scores if you do?

Why is it important for you to review your credit reports?

If you are actively using credit - using one or more credit cards with monthly or bimonthly charge activity, have installment loan(s), or a vehicle lease, etc., - it is a good idea to review your credit file every six to twelve months, otherwise once every fifteen months is adequate. The question you need to answer is this:

What is a Certified Credit Report Reviewer?

Credit report reviewers are educators. They help people learn how to get their credit files. A credit report reviewer meets with folks who have their credit reports in hand and conducts a review of them with the client, line by line. This is done to both educate people and make them aware of each account listed on their reports. If they cannot identify one, there may be a suspicious activity to watch. It also helps the consumer understand what is in their credit report and how it might be affecting a credit score, and thereby how much they will pay for credit, if they can get it.

Credit report reviewers are up-to-date on the latest methods to detect suspicious activity. Credit report reviewers are equipped to assist the victim of identity theft. Important identity theft discovery techniques and prevention measures are implemented and explained to the consumer during the review process.

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Credit Review Clean-up Program:

Review of all three credit reports for individuals and three each for couples.
A line-by-line review of your credit report(s)
An education about Credit Reports, Credit Reporting Agencies, and Credit Scores
Suggestions on ways to improve your credit score (commonly known as FICO scores)
Sample letters to be used to dispute, correct or change your credit report

The Credit Report Clean-up Program is NOT --

A credit report retrieval service

OR

A credit repair clinic.

Silva's Financial $olutions
101 Gregory Lane, Suite 46
Pleasant Hill, CA 94523
(925) 682-2005 counseling office
(925) 252-1231 fax

E-mail: joan@silvassolutions.com