For the required credit
counseling, I recommend Hummingbird at:
www.hbcce.org
If you have been denied credit, and the lender relied on a
credit report, you must be provided with a copy of that
report, if you ask for it.
You can get a free copy of your credit report at:
www.freeannualreport.com
The three major CRAs (Credit Reporting Agencies)
Experian 800-experian
Equifax 800-685-1111
Trans Union 800-916-4922