Nonprofit
Credit Report
Certified
HUD-Approved Housing Counseling Agency
NFCC Member
501(c)(3) Nonprofit
.webp)
.webp)
.svg){kind=icon}
.webp)
.svg){kind=icon}
.webp)
.svg)
.svg)
.svg)
.svg)
No Obligation
No Pressure
.svg)
.svg)
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 can request a free credit report from Equifax, Experian, and TransUnion online every week through AnnualCreditReport.com. Review all three reports regularly, particularly before applying for credit, when disputing an error, or when monitoring possible identity theft.
.svg)
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incorrect personal information, accounts that do not belong to you, duplicate accounts, incorrect payment statuses, outdated negative items, and inaccurate balances or credit limits.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 information can generally remain on your credit report for seven years. Bankruptcies can remain for up to 10 years. The exact reporting period depends on the type of information.
.svg)
Yes. Your counselor can explain the dispute process, help you understand what information and documentation may be needed, and provide guidance for contacting the credit bureaus. Credit.org cannot remove accurate information or guarantee that a disputed item will be changed.
Yes. Our credit report review counseling is provided at no cost through our nonprofit mission. We help you understand your report and take action.
.svg)
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 can explain how the information in your credit report may affect your credit scores.
Private & Confidential
Educational Guidance
HUD-Approved Agency
No Sales Pressure
.svg){kind=icon}
.svg){kind=icon}