HUD (U.S. Department of Housing and Urban Development) sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues.


The American Dream is to own your own home.  It is important to one’s self esteem and family.  Credit problems are something that many families or individuals worry about.  But don’t despair, even if you have credit problems HANDS offers homeownership counseling to assist you in being able to pursue the “American Dream” of homeownership.  Homeownership counseling defines and points the way to solving problems.

A certified counselor will assist families or individuals in overcoming barriers that keep them from becoming homeowners.  They will help them understand what is on their credit report, how to correct or improve items encouragement and support as the family works to become mortgage ready.

Accounts remain on your credit file for seven years after the date paid or the date last active.  Bankruptcies stay on for 10 years.  Judgements, federal liens and other court ordered records remain until paid.


  • Personal information –  including your name, social security number, addresses past & present and employers past & present.
  • Seven years of payment history on credit accounts
  • Public records – including judgments, bankruptcies, tax liens, foreclosures, repossessions, etc
  • Inquires for credit in the past 90 days
  • Consumer statement (up to 100 words)


Consumers are now allowed to receive one free credit report each year from each of the three credit bureaus (you will have to pay for credit score).  You can get these reports by going to www.annualcreditreport.com – you will be asked questions that only you will know the answers to for verification purposes.  If you have a credit report and need help interpreting the information, please call (270) 796-4176 to schedule an appointment.

HANDS can pull a credit report for a charge of $27.00 for an individual and $42.00 for a married couple.