Making the American Dream
Achievable for Everyone
We teach people how credit reporting actually works — what the law lets you challenge, what it does not, and how to get from where your file is today to a mortgage you can afford. Everything here is free, and there is nothing to buy.
Where to begin
Three ways in
Most people arrive here with one specific question. Pick the one that sounds like yours.
Learn how it works
Something on your credit report looks wrong, or you do not understand what you are reading. Start with how to get your reports free, how to read them, and what the dispute process can and cannot do.
Read the credit library → Path twoUse a free template
You know what is wrong and you are ready to write. Free dispute, validation, goodwill, and identity-theft letters, each one explaining honestly what it can accomplish and what it cannot.
Get the templates → Path threeBuild toward a mortgage
You are trying to buy a home and your credit is in the way. Work through the order operations should happen in — including the dispute timing mistake that stalls loan approvals at the worst possible moment.
See the roadmap →Our Mission
Everyone Deserves Safe,
Affordable Housing
HomeBuyers Alliance is a 501(c)(3) nonprofit working on the practical obstacles between people and stable housing. Sometimes that obstacle is a zoning question. Increasingly, it is a credit report nobody ever taught them to read.
Our Programs
What We Do
Credit Education
A free library covering credit reports, the dispute process under the Fair Credit Reporting Act, how long negative information really lasts, and how mortgage underwriting reads your file. Written to be complete on its own.
Browse the library →Free Letter Templates
Dispute, debt validation, identity-theft block, and goodwill letters — each one citing the statute it rests on, with plain-language notes on what it can and cannot do. Free, no email required, nothing to sign up for.
Get the templates →CheaperRx.org
A separate program helping people find lower prescription prices, because a medical bill that becomes a collection account is a housing problem too.
Visit CheaperRx.org →Accurate, timely, verifiable information cannot be removed from your credit report by anyone — not by you, not by a paid company, not by a nonprofit. The dispute process exists to correct what is wrong, not to erase what is true.
Anyone promising to remove accurate information, guaranteeing a score increase, or charging you up front before doing anything is describing something that either does not work or is not legal. You do not need to pay anyone for what is on this site.
Help Us Keep This Free
Your tax-deductible donation pays for the research and writing behind these guides. We take no fees from anyone we help and sell nothing.
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