1. Short title This Act may be cited as the Homeless Veterans Credit Repair, Enhancement, and Debt Improvement for Tomorrow Act or the Homeless Veterans CREDIT Act . 2. Study on financial and credit counseling (a) Study required The Secretary of Veterans Affairs shall conduct a comprehensive study on— (1) the use of and variation of financial and credit counseling services available for housing unstable veterans; (2) barriers to accessing financial and credit counseling for housing unstable veterans; and (3) the ability to evaluate and assess the potential effects of financial and credit counseling for housing unstable veterans with respect to housing, employment, income, and other outcomes the Secretary determines appropriate. (b) Methodology In conducting the study under subsection (a), the Secretary shall— (1) survey— (A) housing unstable veterans who are enrolled in the Supportive Services for Veterans Families program; (B) housing unstable veterans who do not seek or receive the care or services under such program or a similar program; (C) grantees of the Supportive Services for Veterans Families program; (D) financial and credit counselors; and (E) persons who are subject matter experts regarding the use of financial and credit counseling services that the Secretary determines appropriate; and (2) administer the survey to a representative sample of housing unstable veterans and veterans in areas with high veteran homelessness. (c) Use and variation of services In conducting the study under subsection (a)(1), the Secretary shall— (1) use data from the Supportive Services for Veterans Families program and other data collected by the Department of Veterans Affairs, data collected by other departments or agencies of the Federal Government, and data collected by nongovernmental entities to compare the use of and variation of financial and credit counseling services available for housing unstable veterans and such use and variation for other individuals