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Frequently Asked Questions

Frequently Asked Questions


Why is it important to review my credit reports yearly and how do I obtain copies?

CCCS of Mobile suggests that you review all three credit reports at least annually (preferably every four months) to detect errors and to determine whether identity thieves have accessed your credit. There are 3 credit bureaus and counselors suggest you check one credit report every 4 months to ensure no errors or all three once a year. You can obtain a free credit report by visiting www.annualcreditreport.com.

If you need help regarding your credit report review, call and make an appointment with one of our counselors. Certified Credit Counselors are trained to help clients better understand credit reports, identify information that is incorrectly reported, learn ways in which to improve credit scores, and to help determine if they have been victims of Identity Theft. . We offer a soft pull three in one credit report with scores for our clients. The scores obtained are Fico Scores. By "cleaning up" credit reports/scores, clients are better able to obtain future credit with improved interest rates.

Call 251-602-0011 to ask questions or make an appointment now. Send email inquiries to counselor@cccsmobile.org.

Helping people find real solutions to real problems.

Consumer Credit Counseling Service (CCCS): Consumer Credit Counseling Service provides consumers in Southwest Alabama with assistance in managing personal finances, both preventive - for those wanting to avoid serious financial problems and rehabilitative - for those who are experiencing financial problems.

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