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Thirty minutes. Bring the whole report, including the parts you would rather skip, because the parts people would rather skip are often where the errors are.

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Where the written summary goes, whether or not you go ahead.

A guess is fine, and none is fine too.

If you have none yet, get them free at annualcreditreport.com first. It makes the call worth having.

A mortgage application, a lease, a court date. If there is not enough runway we will say so rather than take the work.

The blunter the better. People usually want to know whether a specific item can come off, and whether this is worth paying for at all.

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