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Learning about credit

Protecting your credit is a vital piece  of the home buying path. Use our tools to understand, build and maintain your credit score.

Personal Credit Counseling

Break  free from the cycle of crushing debt and ever-increasing expenses with a free 1:1 credit counseling session.

Free Credit Report

Get a free annual credit report from Annual Credit Report from all three credit reporting agencies 


The ORO Path website provides educational resources and guidance for first-time home buyers. Any information provided on the ORO Path website and/or by ORO Impact, Inc. is for general information purposes only and should not be considered financial, legal, or professional advice on any subject matter. All information on the website is provided in good faith. While we strive to keep our
information accurate and up-to-date, ORO Impact cannot guarantee the applicability or accuracy of any information as it relates to your individual circumstances. You should not act or refrain from acting on the basis of any content included in this website without consulting your own financial, legal, or professional advisor(s). ORO Impact is not responsible for any actions you take
or fail to take based on any content on the ORO Path website.


This website contains links to other websites. ORO Impact is not responsible forthe privacy practices or content of external websites.

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