theFine PrintElevate Your Credit Score
The importance of good credit is a fact of life. Banks and credit card compa-nies decide whether to lend you money and what interest rates you will pay based on your credit score. Be prepared to examinepast choices and, if necessary, to change your money habits. Decisions you maketoday will impact your future options.
Annual Credit Report
Check the accuracy of your credit report annually for free:
To obtain your credit score fora fee, contact the three major credit reporting agencies:
Equifax (1-800-685-1111) TransUnion(1-800-916-8800) Experian (1-888-397-3742)
ABCs of Homebuying
HUD’s series of Internetvideos guides you through the credit and homebuyingprocess.
Resident Opportunities and Self-Suﬃ ciency (ROSS)
Homeownership and creditcounseling for families in public housing or receivingHousing Choice Voucher (Section 8) assistance. Contactyour local public housing agency:
Home Loan Learning Center
Informationon credit scores and reports, cost comparisons, andsteps to take to qualify for a loan.
Consumers have more ways than everto buy a home. Know your rights. Homebuy-ers should understand their mortgage contract and be on the look-out for scam artists and predatory lenders. A HUD-approved housing counselor (1-800-569-4287) can help.
HUD oﬀers a complete list.
HUD has suggested a variety of ways to protect yourself from predatory lending.
For resources in your area:
Housing discrimination based on yourrace, color, national origin, religion, sex, family status, ordisability is illegal. If you have been trying to buy or rent ahome or apartment and you believe your rights have beenviolated, you can ﬁle a fair housing complaint.Go to:
HUD expressly does not endorse, sanction, or promote any product, program, service, orenterprise for any private for-proﬁt or non-proﬁt organization, listed herewithin.
U.S. Department of Housingand Urban Development