How to Check Your Credit Report & Score

Your guide to Section 8 is now available to view! The first step you can take towards securing affordable housing is checking your inbox to access your new guide. And if you don’t see it there, check your spam folder. You don’t want to miss out on this valuable information that could improve your life.

After you’ve checked out your guide and learned all about how the Housing Choice Voucher Program works, make sure to also keep an eye on your email for even more info. We have prepared for you loads of content on not only additional housing and rental assistance programs, but also on credit. We’ll walk you through what your credit report entails, how to check it and more importantly how to improve your credit score.

A good credit score is like a fast pass to a better life. Having a ‘good’ credit score of at least 670 qualifies you for better housing options, higher lines of credit, lower interest rates on home loans and much more. If you can increase your credit score to a ‘very good’ 740 to 799, would you? Of course, you would. Because that means that you are likely to qualify for even better than average interest rates. And if your dream is to one day purchase a home to call your own, then having very good credit is paramount as lenders consider your score as a good indicator of how likely you are to make your mortgage payments.

While you work on building your credit with the information and resources we will shoot to your inbox, you may also be wondering about other ways you can save on rent. Since the Section 8 program typically has a long waiting list in each state, it is best to find out about alternative housing solutions. Well, there are a plethora of government programs out there to help families and individuals with low income keep a roof over their heads.

In addition to Section 8, The Department of Housing and Urban Development (HUD) also oversees Public Housing Programs of which there are many. These project-based developments are located throughout the country and are owned and operated by local governments, unlike Section 8 housing. Public housing is typically reserved for families with extremely low income as rent is charged on a sliding scale. That means that the less money you make, the less you pay in rent each month and vice versa. Eligibility for public housing is also determined by household size.