Credit Reports

It is advisable to obtain a copy of your credit report before starting the home buying process. There are several ways to get your credit report.

For a nominal fee, we can provide a single report which includes credit scores from two of the three credit bureaus. (The scores we provide are from TransUnion and Experian. The Equifax report is not included.)

If you would like us to get your report, please download the form. You can or mail it to us. Please note that when we provide your credit report, it does not count as an “inquiry” since we are getting it for counseling and not for extending credit.

You can also obtain your credit report yourself at

You can receive one free credit report per year from each of the three credit reporting bureaus. Be aware that free credit reports do not include scores. Each credit reporting bureau charges a fee to provide the score.

You can obtain a report by mail or by phone by contacting the individual credit bureaus. They are Equifax, TransUnion, and Experian.