Provides credit/debt, budget, and housing counseling free of charge to consumers throughout New York. Counselors can help an individual with: Understanding their financial situation and goals Explaining debt management options Offering recommendations for how to get out of debt Developing a personalized action plan

Offers one place for individuals to receive credit reports from all three nationwide consumer reporting companies. Do not contact the three nationwide consumer reporting companies individually to receive your free annual credit report.

Offers in-depth analysis of client's credit report, credit score, and various factors affecting score. Certified counselor offers personalized action plan to improve client's credit record and instructions for disputing information contained in credit report.

Annual credit report can be requested through the website, by calling the number below, or sending a request form to the address below.