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
http://www.MortgageLawNetwork.com" target="_blank">Foreclosure Lawyers
http://www.BankruptcyLawNetwork.com" target="_blank">Bankruptcy
http://www.BankruptcyLawNetwork.com" target="_blank">Bankruptcy Lawyers
http://www.BankruptcyLawNetwork.com" target="_blank">Bankruptcy Attorneys
http://www.DebtLawNetwork.com" target="_blank">Debt Lawyers
http://www.CreditLawNetwork.com" target="_blank">Credit Lawyers