Nonprofit credit education
Free Credit Report Review
A Money Fit counselor can help you read your credit report, identify information that deserves a closer look, and understand practical next steps. The standard review is free, and choosing a paid written analysis or strategic plan is optional.
What is a free credit report review?
A free credit report review is an educational conversation with a Money Fit counselor about the information already shown on a report you provide. The counselor can explain report sections, point out possible errors or unfamiliar items, and help you organize reasonable next steps.
Reviewing your own report and discussing it with a counselor does not create a hard credit inquiry or lower your credit score. Money Fit does not promise to remove accurate information, raise a score by a specific amount, or provide credit repair services.
Request a credit report review
Choose the free review, written analysis, or strategic plan in the form. A Money Fit counselor will follow up with the next steps for the option you select.
Money Fit uses the information you submit to respond to your review request and provide the service you select. Review the Money Fit Privacy Policy. If the form does not load, open the request form directly.
How the review works
The service can be adjusted to the amount of help you need and the way you prefer to communicate.
Request the review
Select the free review or an optional paid service and provide the contact information needed for follow-up.
Share a redacted report
Follow the counselor's instructions for providing the report while removing sensitive information that is not needed.
Review what it shows
Discuss the report by phone, email, or web conference and leave with clearer questions and next steps.
What the free review includes
The standard review focuses on understanding the report rather than selling another service.
- Help understanding the sections of the report and how they fit together
- Identification of possible errors, unfamiliar accounts, or information that deserves closer attention
- Education about credit-report information that can affect credit decisions and scores
- Guidance on practical next steps based on what the report shows
- Direction to dispute resources when information appears inaccurate or incomplete
Choose how to review the report
Counselor availability is generally 10:00 a.m. to 6:30 p.m. Eastern, or 7:00 a.m. to 3:30 p.m. Pacific, during normal business days.
By phone
Review the report section by section with a counselor and ask questions as they come up.
By email
Receive written feedback and respond to follow-up questions when your schedule allows.
By web conference
Share your screen and review the report together without sending an unredacted document by email.
Why the information matters
Credit reports are most closely associated with borrowing, but report information may be used in several kinds of decisions when permitted by law.
Credit and housing decisions
Mortgage lenders, auto lenders, banks, credit unions, property managers, and some landlords may review credit information when deciding whether to approve an application or what terms to offer.
Other permitted uses
Utility and cell phone providers may use credit information when setting deposits. Insurers and some employers may use permitted credit-related information, subject to federal and state rules.
Frequently asked questions
Who can request a free credit report review?
Any adult with a credit report may request the standard free review. A parent or guardian may also ask about reviewing a dependent minor's report after obtaining it through the appropriate process.
How do I get my free credit reports?
Request reports from Equifax, Experian, and TransUnion through AnnualCreditReport.com, the federally authorized website. Federal law provides one free report from each bureau every 12 months, and the bureaus currently provide free weekly online access.
Will reviewing my credit report lower my credit score?
No. Requesting and reviewing your own credit report does not affect your credit score. Discussing a report you provide with a Money Fit counselor also does not create a hard credit inquiry.
Does the review include my credit score?
No. The review covers information shown on your credit report. Free reports from AnnualCreditReport.com generally do not include a credit score, although a bank, credit card company, or other service may provide a score separately.
Can Money Fit remove negative items from my credit report?
No. Money Fit is not a credit repair company and does not promise to remove accurate information. A counselor can help you identify possible inaccuracies and understand the steps available to dispute information yourself.
How long does a credit report review take?
A basic review may take about 20 minutes. Written analysis, follow-up questions, or a strategic plan may require additional time or more than one interaction.
Do I have to purchase a paid service?
No. The standard credit report review is free. Written analysis and strategic planning are optional services for people who want more detailed written support.
