How do I get a copy of my credit report?

As a consumer you are entitled to 1 free credit report annually. 

Requesting your credit report allows you to review your credit score and account payment history. Additionally, you are allowed to report and dispute any information you deem to be inaccurate.  You may access your free annual report from the three major reporting companies at You may also request your report if you are denied credit within the same calendar year. Finally, be prepared to verify your identity.

Contact a HUD approved housing counseling agency for help with understanding your credit report.