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EXHIBIT B <br />CREDIT REPORT AUTHORIZATION AND PRIVACY DISCLOSURE FORM <br />I hereby authorize and instruct (hereinafter <br />" ") to obtain and review my credit report. My credit report will be obtained from a <br />credit reporting agency chosen by _ _ _ I understand and agree that <br />intends to use the credit report for the purpose of evaluating my financial readiness to <br />purchase a home and/or to engage in post -purchase counseling activities. <br />My signature below also authorizes the release to credit reporting agencies of financial or other information that I <br />have supplied to in connection with such evaluation. Authorization is further granted to <br />the credit reporting agency to use a copy of this form to obtain any information the credit reporting agency deems <br />necessary to complete my credit report. <br />In addition, in connection with determining my ability to obtain a loan, I <br />authorize <br />do not authorize <br />to share with potential mortgage lenders and/or counseling agencies my credit report <br />and any information that I have provided, including observed information noted as required by law or to fulfill <br />other requirements and any computations and assessments that have been produced based upon such, information. <br />These lenders may contact me to discuss loans for which I may be eligible, and these counseling agencies may <br />contact me to discuss counseling services. <br />I understand that I may revoke my consent to these disclosures by notifying in writing. <br />Client's Name (Print) <br />Client's Signature <br />Social Security Number <br />Date <br />Client's Name (Print) <br />Client's Signature <br />Social Security Number <br />Date <br />16 <br />