ACORN was the nation's largest community organization of low and moderate-income families, working together for social justice and stronger communities.  From 1970 to its end in 2010, ACORN had grown to more than 175,000 member families, organized in 850 neighborhood chapters in 75 cities across the U.S. and in cities in Canada, the Dominican Republic and Peru. 

ACORN's accomplishments included successful campaigns for better housing, schools, neighborhood safety, health care, job conditions, and more.  ACORN members would participate in local meetings and actively work on campaigns, elect leadership from the neighborhood level up, and pay the organization's core expenses through membership dues and grassroots fundraisers.

The Fair Credit Reporting Act (FCRA)

In 1970, Congress passed the Fair Credit Reporting Act, which regulates the collection, dissemination, and use of consumer information, including consumer credit information. This was the first time individuals had the potential to access a full list of information lenders used to make decisions about loan products and credit options. 

When ACORN started offering their First Time Homebuyer Program classes, they found that helping individuals access, review, and file corrections to their credit reports led to a faster, accurate, and more successful loan application process. In the 1990's, it cost at minimum $10 to get a copy of your credit report, and it had to be done through a limited-access system. …

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