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Understanding Credit Reports & Credit Scores

Housing and Credit Counseling, Inc.

Ginger Ellsperman, Certified Housing and Consumer Credit Counselor will explain how credit is scored and talk about what causes scores to change.

5:00–6:20 (Marvin A) – Librarians can help you find and print a free copy of your credit report from

                      AnnualCreditReport.com.    https://www.annualcreditreport.com/index.action

 6:30–8 -  Credit Reports and Credit Building – Housing and Credit Counseling, Inc.

 Ever wonder what’s in your credit report?  Who can get access to your credit report and why?  Have you looked at your credit report online in the last year?

 Ginger Ellsperman, HUD-Exam Certified Housing and Consumer Credit Counselor will explain how credit is scored and talk about what causes credit scores to change.                               

Also hear “real life” examples of how HCCI clients paid their debt and significantly increased their credit score – some even being debt free within a few years.

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