Phone: (703) 444- 4343
Fax: (703) 444- 4124



What is Consumer Reporting Agency (CRAs)

A Credit Bureau or Consumer Reporting Agency (CRAs) is an agency that collects and maintains individual credit information and sells it to lenders, creditors, and consumers in the form of a Credit Report

In another word, the Credit Bureau is a company that collects information from various sources and provides consumer credit information on individual consumers for a variety of uses. The Credit Bureau provides this information based on individuals' borrowing and bill-paying habits.

When a bank or other organizations request to see a credit report of an individual, the credit bureau sells this information to them. Credit reporting is a system that lenders use to decide whether to give you credit or a loan and how much interest they can charge you for it.

What is Credit Report

Your credit report is based on the bills payment that you have missed or have been late paying your bill, or a loan that you have paid off, as well as the available balance in your credit cards, plus your current amount of debt.

A credit report contains information on where you work and live, how you pay your bills, and whether you have been sued, arrested, or filed for bankruptcy.

Credit Bureau gathers this information and sells it to creditors, employers, insurers, and others. The most common type of CRA is the credit bureau

The three major national credit bureaus are


Based on the information in your credit report, lenders calculate your credit score, so they can assess the risk you pose to them before they decide whether they will give you credit. The higher your score, the less risk you pose to creditors
The information in your credit report is used to calculate your FICO (the acronym stands for Fair, Isaac and Company) score. Your score can range anywhere from 300-850. Aiming for a score in the 700s will put you in good standing. A high score makes it easier for you to obtain a loan, rent an apartment, or lower your insurance rate

FICO Score

Your FICO score is available for a fee. Free credit reports do not contain your credit score, although you can purchase it when you request your free annual credit report

You have to check your Credit report, at least every three month. Sometime organizations report incorrectly to those three major national credit bureaus, therefore, your credit score will be shown less than the actual.

MTES is able to help you by contacting those three major national credit bureaus on your behalf, and correct the errors. By correcting those errors your Credit Score will be improved

Credit Score

If your credit score is low, this will affect on your financial life. It prevents you to obtain a loan, apply for credit card, or buy a car or house

MTES is able to help you improving your credit score, by contacting the related organizations such as banks, credit card issuing organizations and the three major national credit bureaus on your behalf, and try to fix or improve your Credit Score

It is important to know that we are not a law firm or attorney. We are an educational consultation firm. Therefore, we are not providing any legal representation and or legal advise to our clients. We only negotiate on your behalf with related credit bureau. If you need any legal advice, you should contact your own attorney

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21495 Ridgetop Circle, Suite 305
Sterling, Virginia 20166

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Phones and emails

Office: (703) 444- 4343
Fax: (703) 444- 4124