Service Tree

The Service Tree lists all services in "branched" groups, starting with the very general and moving to the very specific. Click on the name of any group name to see the sub-groups available within it. Click on a service code to see its details and the providers who offer that service.

Credit Related Organizations/Services

Credit Builder Loans

Programs offered by credit unions, banks and some nonprofit organizations that provide loans specifically designed to help low income people build their credit in order to avoid the costs that accompany a low or nonexistent credit score. Most of the loans are in the $500 to $1,000 range making them reasonable to pay back. Borrowers make payments over time, typically a year or two. The money may be placed in a locked, interest bearing savings account and can be accessed by the individual once the loan is paid off. Secured and unsecured credit builder loans may also be available.

Credit Counseling

Programs that provide assistance for people who want to improve their understanding of the consumer credit lending and collections systems, and maximize their skill in using credit. Services may include help in completing credit application forms, understanding how credit information is analyzed, choosing the best credit cards and/or interest rates available, determining how many credit cards can be managed, protecting one's credit information, communicating with creditors, improving poor credit reports and associated credit scores, eliminating credit card debt and dealing with other credit card issues.

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