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The importance of good credit is a fact of life. Banks and credit card companies  decide whether to lend you money and what interest rates you will pay based on your credit score. Be prepared to examine past choices and, if necessary, to change your money habits. Decisions you make today will impact your future options.
Annual Credit Report Check the accuracy of your credit report annually for free: http://www.annualcreditreport.com.

To obtain your credit score for a 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 Internet videos guides you through the credit and homebuying process. http://www.hud.gov/webcasts/archives/homeforall.cfm
Resident Opportunities and Self-Suffi ciency (ROSS) Homeownership and credit counseling for families in public housing or receiving
Housing Choice Voucher (Section 8) assistance. Contact your local public housing agency:

http://www.hud.gov/offices/pih/pha/contacts/index.cfm

Home Loan Learning Center Information on credit scores and reports, cost comparisons, and steps to take to qualify for a loan. http://www.homeloanlearningcenter.com