It is important that everyone look at their credit report on an annual basis.  Everyone is entitled to a free credit report on a yearly basis (one every 12 months) from each of the credit bureaus.  To get a free credit report go to  HAC offers a ReBuilding Your Credit class that teaches you how to read a credit report and what you need to do to improve and monitor your credit report.  Registration forms can be obtained at the front office or the HAC website.