Nonprofit
Credit Report
Certified
HUD-Approved Housing Counseling Agency
NFCC Member
501(c)(3) Nonprofit
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No Obligation
No Pressure
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Use our credit tools and resources, or speak with a certified counselor for personalized guidance.
Always Free
No Obligation
Confidential
For Educational Guidance
Estimated Available Equity
Estimated Monthly Payment Option
Interest Rate Range
Speak with a certified housing counselor to review your situation, questions, and next steps.
You are entitled to one free report from each bureau annually through AnnualCreditReport.com. We recommend checking at least once per year, or more frequently if you are actively working on credit improvement.
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Common errors include incorrect personal information, accounts that do not belong to you, duplicate accounts, incorrect payment statuses, outdated negative items, and inaccurate balances or credit limits.
Most negative items remain for 7 years from the date of first delinquency. Bankruptcies may stay for 7-10 years depending on the chapter. Positive information can remain indefinitely.
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Yes. Your counselor walks you through the dispute process, helps draft dispute letters, and advises on supporting documentation to submit to credit bureaus.
Yes. Our credit report review counseling is provided at no cost through our nonprofit mission. We help you understand your report and take action.
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Your credit report is a detailed history of your credit accounts, payments, and inquiries. Your credit score is a three-digit number calculated from that report. Your counselor helps you understand both and how they work together.
Private & confidential
Educational guidance
HUD-approved agency
No lender sales pressure
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