How Credit Counseling Works

Repairing your credit score means you want positive events to appear within your credit history and get rid of the negative ones. Your credit score is the quickest way of getting to know what shape your credit is in. If an institution wishes to know your credit history in detail, they will review your credit report.

The institutions that do this often include banks, creditors, and any other entities that forward loans. A credit history that’s in good shape makes it easy for you to get the loan you have applied for.

As mentioned earlier, credit score is the quickest way to know what your credit history is like. There are good scores, bad scores, and average scores wherein bad scores mean there are lots of negative events in your credit history.

Equifax, Experian, and TransUnion are the three major credit bureaus that prepare your credit reports and can send them to you upon your request.