To Check your credit report and find detailed information about how to build good credit and avoid bad credit see the following web sites: www.equifax.com; www.transunion.com;, and www.experian.com To find a certified credit counselor, go to www.debtadvice.org or www.hud.gov. To learn more about the home purchase and loan process, check out www.frediemac.com/homebuyers and/ or www.fanniemae.com (click on Homepath) and or www.hud.org (click on Online Homebuyer education) and/or www.gov Other helpful web sites:   U.S. Internal Revenue Service: www.irs.gov School Grades: www.greatschools.com California Department of Real Estate: www.dre.ca.gov California Structural Pest Control Board: www.pestboard.ca.gov Credit Union Consumer Facts, www.cuna.org/data/consumer/advice/retire_home/hometoc.html