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