The HomeOwnership Center's Financial
Education & Counseling Services

Credit & Budget Counseling

Our confidential credit and budget counseling sessions are designed to help you manage your money, enhance your financial fitness, and improve your access to credit—whether or not you are currently in the market for a home.

  • Understanding Credit Reports: We will review your credit report with you, help you understand its meaning, point out ways you can improve or re-establish your credit, and help with disputing any erroneous information.
  • Balancing Income and Debt: We will analyze your income, living expenses, assets, and debt and help create a plan to reduce your debt or avoid future debt.
  • Effective Budgeting: We will cover paying bills, creating a saving plan, affordability issues, and help you develop a personalized budget you can understand.
  • Creating Financial Goals: We will help you define your short and long-term financial goals, and develop steps you can take to accomplish these goals.

Check Your Credit

There are three primary credit bureaus that monitor your credit rating—EquiFax, Experian and TransUnion. Every 12 months you are entitled to a free credit report from each of these companies. Get yours today at This is the official site, authorized by the federal government, for you to get your free reports.

If you prefer, you can request your credit reports by phone. Call 1-877-322-8228. You will go through a simple verification process and your reports will be mailed to you.

You can also send a request by mail. Download and complete the Annual Credit Report Request Form and mail it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

For more information, visit the U.S. Consumer Financial Protection Bureau.

Direct contact information for the major credit reporting agencies are:



Learn What Affects Your Credit Score

We provide individual, personalized counseling to help you learn what affects your credit score. We will introduce you to handy tools like Credit Karma, a free web-based credit and financial management service. Founded in 2007, it provides free credit scores, credit reports, credit monitoring and other tools.

Contact us today to schedule an appointment to discuss how we can help you.