Free credit report analysis
A free three-bureau credit report analysis, line by line
Most companies give your report a quick glance. We look for everything, explain it in plain language, and the analysis is free.
Why it starts here
You cannot fix what you have not seen
Your first step in credit restoration is knowing exactly where you stand. A credit report shows where you have lived, how you pay your bills, and whether you have been sued or filed for bankruptcy. Lenders, insurers, landlords and some employers all read it.
All three bureaus
Equifax, Experian and TransUnion each keep their own file on you, and they rarely match. A merged report lets us compare them side by side.
Every negative item
Not just the two or three big ones. Collections, charge-offs, late payments, inquiries and personal details, all of it.
A real conversation
A free one-on-one consultation where we explain each finding and the best strategy to raise your score.
What you get
A clear picture and a written plan
- A full review of your merged three-bureau report for every possible negative issue
- A free explanation of your current credit situation, in plain language
- Your personalized Credit Management Profile, with the order we would tackle each item
- Your options and their cost, written down, before you decide anything
- A realistic timeline for the goals you care about, like a home or car purchase
Pricing for any work afterward depends on how much your report needs. The only cost for the analysis itself is the fee for the credit report, paid to the credit agencies; the report options and fees are below.
What the reports cover
Where your information comes from
Experian, Equifax and TransUnion
The three nationwide bureaus. Most lenders pull at least one of them, and mortgage lenders use all three, then go by your middle score.
LexisNexis
A consumer report that can include public records and insurance history. We include it where it helps complete the picture.
You can also get free reports from each bureau at AnnualCreditReport.com. They are a good habit, but one bureau at a time rarely shows the full picture needed to plan a strategy, which is why we work from a merged report.
After the analysis
Where most clients go next
Credit repair
A line-by-line review of all three bureaus and persistent disputes of every inaccurate item.
Learn more
Debt management and consolidation
One manageable plan for what you owe, with creditor negotiation built in.
Learn more
Credit help for home buyers
Get your middle score mortgage-ready before you apply.
Learn moreQuestions
About the free analysis
Is the first consultation really free?
Yes. Start with a free 15-minute credit analysis by phone at (972) 458-9100. Once we have your merged three-bureau report, we walk you through every negative finding in a free one-on-one consultation. The only cost at that stage is the credit report fee paid to the credit agencies: $36 for an individual three-bureau report or $60 for a couple. Single bureau reports are $25, and the LexisNexis report is free.
What do I need to get started?
A copy of your three-bureau credit report. We can order it for you, or you can request a free analysis online and our office will call you to collect what the bureaus need. We never ask for your Social Security number through a web form.
Which credit score does a mortgage underwriter use?
Your middle score from Equifax, Experian and TransUnion. That is why it matters to know all three, not just the one your bank or card app shows you.
Report fees
Credit report options and fees
The analysis itself is free. Your only cost to get started is the credit report fee, paid to the credit agencies.
Single bureau report
$25
One report from Equifax, Experian or TransUnion, priced per bureau.
Three-bureau report, individual
$36
Your merged Equifax, Experian and TransUnion report: the starting point for your free analysis.
Three-bureau reports, couple
$60
Merged reports for you and your spouse or partner, reviewed together.
Single report package
$75
Our complete single-applicant report package. Ask our office what is included.
LexisNexis consumer report
Free
Public records and insurance history, added where it completes the picture.
Ready to order? Request your free analysis and tell us which report you want, or call (972) 458-9100.
The Manning Group, Inc. · Since 1983
See exactly where you stand
Request your free analysis online or call the office. We will get your three-bureau report started and set up your free consultation.
Or call (972) 458-9100 · toll free (888) 458-9100