Advantages to becoming a member of Citizens Credit Bureau 

Citizens Credit Bureau will do the monitoring for you.  We will provide the systems, processes and tools to help you understand and take steps necessary to maintain a good credit score.  We will also teach you how to improve your scores while taking into consideration your unique challenges.

Educational Newsletter

Each month we will send you an educational newsletter explaining detailed strategies and techniques that will help you maintain financial stability and a positive credit rating.  We also have Credit Risk Assessment Specialists® in our Member Service Center ready to assist you.  Our Member Service Center is open Monday through Friday, 8:00 am to 5:00 pm MST. 

Free Credit Score Monitoring

The strategies and methodologies used by credit repair companies and law firms engaged in credit repair are basically the same today as they were 10 or 15 years ago. Ironically, credit bureaus like us were using these methodologies and strategies way before credit repair ever arrived on the scene. However, while some credit bureaus will provide the process, they leave the consumer to figure it out on their own. This is why monitoring and education is so vital to success. The Credit Score Monitoring is an added Free bonus of your membership.

Step 1:  The first step is to obtain credit reports (with scores) from the three major bureaus (Experian, Equifax and Trans Union) and forward them to our Member Service Center.  Make sure the scores are Fico® Beacon® and Empirica® scores as these are the scores used by most lenders.  If you’re not sure how to obtain these reports, contact us.

Step 2:  Once these reports are received, we will compile and send you our exclusive credit report as well as a detailed Credit Score Analysis outlining the factors currently affecting your scores.

Step 3:  We will then initiate analysis and investigation (with your help) into the factors that are affecting your scores.  This process also ensures the information we have on you in our database is accurate.  Your assistance is required to let us know what items are not accurate and/or provide documents needed to follow up with lenders.

“Lather, Rinse, Repeat”  (Repeat steps 1 – 3)

* Step one is repeated every 60-90 days after which we will send you another credit report or analysis containing a detailed comparison of your old scores with your new scores as well the factors affecting your scores.  The results of our score monitoring process are reported back to the subscriber and member and the process is repeated until the analysis and investigation is completed resulting in improved scores.

Most members begin to see improvement within the first 60-90 days.  Completion is usually achieved within 12-16 months.   Periodic monitoring after this point is wise to ensure protection of your identity, privacy and accuracy of your credit profiles.

* Getting new credit reports on a consistent basis is critical to your success. The amount of time it takes you to attain a good credit score will be directly related to the promptness of your providing new reports.  For assistance with this process, you may contact Member Services every 60-90 days.  Although we have an online fax server to simplify the process of getting your reports to us, we prefer that you mail reports due to the poor quality transmitted by some fax machines. To expedite the progress made on your file, you may want to send your reports by mail.

Fico® Beacon® and Empirica® are registered trademarks of their respective owners.