Our Mission

The FCAA mission is to promote quality and professional delivery of financial counseling services. FCAA member agencies assist hundreds of thousands of consumers annually with financial counseling services of all kinds as well as debt management services. Find out more about joining the FCAA.


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FCAA 2018 Conference
April 25th- 27th 2018
Hotel Valencia Riverwalk
San Antonio, TX

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Credit Report Reviews

Your credit score impacts your life in many ways.  It influences the interest rate a lender charges when you buy a car or house, which determines how much you will pay for the loan.  Your credit score can influence your credit card interest rate and the amount you pay for insurance.  When you interview for a job, information on your credit report can even influence whether you are offered employment.

A negative item on your credit report can suddenly decrease in your score. However, increasing your credit score takes time.  There is no “quick fix” to improve your credit score.  Be skeptical of any company that says they provide credit repair.

Since your credit score is so important, it's critical that you understand how to read your credit report and how to manage your credit score.  Let a FCAA Member Agency take you through a free credit report review.

Access Your Free Credit Report

You can obtain one free credit report per year from each of the three credit bureaus --- Experian, Equifax and Trans Union.  Access your free reports at www.AnnualCreditReport.com.  The reports are free, but expect to pay about $5 if you want to see your credit score.


   Frequently Asked Questions


How much does a credit report review cost?
There is no charge for a credit report review.

Will the Agency provide me with a copy of my credit report?
You can obtain your own report at www.AnnualCreditReport.com free of charge, although there is a small fee for the credit score.  Some agencies do provide you with an educational credit report for a nominal fee.

Can the Agency repair my credit?
No legitimate company will provide credit repair.  The Federal Trade Commission (FTC) warns consumers of any company that charges money for credit repair or offers to remove late payments, bankruptcies or similar information from a credit report.

How do lenders use credit scores?
Credit scores help lenders assess your likelihood to repay debt responsibly based on your past credit history and current credit status.

How are credit scores determined?
There are several different types of credit scores.  Each score is determined using a unique formula.  Most use some variation of on-time payment history, percentage of credit line used, debt balances, age and type of accounts, number of recent credit inquiries and amount of available credit.

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Information courtesy of Member Agency Greenpath Debt Solutions