Credit Counselor how-to
How to Help a Client Read a Credit Report
Understanding reports builds control.
Quick answer
Understanding reports builds control. In short: get; check; review, then complete the remaining steps below.
Step by step
Get the free reports.
Check personal info.
Review accounts.
Look for errors.
Explain late payments.
Dispute errors.
Safety reminders for credit counselors
- Protect client financial data
- Follow consumer protection laws
- Avoid conflicts of interest
- Refer clients in crisis to help
Key terms
Debt management plan · Budget · Credit score · Credit report · Debt-to-income ratio · Collections: see the full credit counselor glossary.