Credit Resources

Finding the Right Fit

The St. Johns County Housing and Community Development Division has developed relationships with various affordable housing programs to provide more opportunities for homeownership for very-low, low and moderate income families.

Your income, credit and housing needs will determine which program will best fit your specific situation. In some instances, programs may be combined to reach the ideal fit for your situation.

To begin your journey toward homeownership, contact Housing & Community Services at (904) 827-6890.

Get Your Credit Report

  • Free Annual Credit Report
    The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation's consumer reporting companies. The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the FCRA with respect to consumer reporting companies. 

    The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. Only one website is authorized to fill orders for the free annual credit report you are entitled to under law —

To order, visit, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may also order your credit reports from the following national credit bureaus.