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Resources & Referrals

Resources for home buying. Homestead resources. Financial management. Credit rebuilding. Credit report. Credit Counseling. Money management. Debt negotiation.

Financial Management and Local Credit Organizations

  • Solid Ground offers a Financial Fitness Boot Camp. One-on-one and group classes are available focusing on Credit Counseling, Debt Negotiation, Money Management, Predatory Lending Prevention and Financial planning. Contact Judy Poston, Program Coordinator. 206-694-6776;  financialfitness@solid-ground.org
  • El Centro de la Raza offers Financial Literacy Courses. One-on-one and group classes are available focusing on Foreclosure Counseling, Default Intervention, Loan Modification, Credit Counseling, Debt Negotiation, Money Management, Predatory Lending Prevention and Financial Planning. elcentrodelaraza.org
    • All intake: 206-957-4610
    • Megan Andrew, Financial Literacy Coordinator 206-957-4646
    • Arlene Chavez, Default & Foreclosure Intervention 206-957-4616
    • Piero Prada, Default &Foreclosure Intervention 206-957-4633
  • Credit Advisors Foundation is a non profit credit and financial counseling agency helping clients with credit counseling. Get more information by calling 253-383-5151 or visit www.creditadvisors.org.
  • American Financial Solutions is a non profit credit and financial counseling agency helping clients with credit counseling. Get more information by calling 888-282-5811 or http://www.myfinancialgoals.org.
  • Express Credit Union is a non profit Credit Union that gives everyone a secure alternative to traditional banks. They offer free checking & savings accounts, along with visa cards and secured credit cards that are a great step in building good credit scores.  Express Credit Union also teaches ongoing classes on Fixing and Building your credit. Get more information by calling 206-622-1850 or visit www.expresscu.org.

There is a large collection of information and resources on almost every topic related to personal finance provided by the U.S. Treasury Department. Find out more by visiting www.mymoney.gov.

 

SELF-HELP TOOLS

Credit Rebuilding:

These documents review the basics of credit and improving your credit profile as well as letter templates to use when speaking with collectors.

    1. http://www.annualcreditreport.com – This is the official free credit report under the FACT ACT. It does not include credit scores.
    2. Select the option for the free report (it is not necessary to pay for scores).  You will also encounter sales messages trying to sell credit scores and monitoring services for a monthly fee. These are not necessary.
    3. You are eligible for one free report from each of the 3 bureaus per year.

 

Opt Out of "Pre-Approved" Credit card offers you receive through the mail. These can lead to identity theft. Click the link to Opt-out electronically for 5 years. www.optoutprescreen.com

 

OTHER LEGAL RESOURCES

  • CLEAR is Washington State’s toll-free, centralized intake, advice and referral service for people with low incomes (outside King County) seeking free legal assistance with civil legal problems. Call 1.888.201.1014 weekdays, 9:15am - 12:15pm, and Tuesdays, 3:30 - 6:15pm.
  • Community Information Line: Call 206.461.3200, toll free 1.877.211.9724 (WASH) or 2.1.1 (from a landline) – Monday through Friday, 9am - 6pm for referrals to many types of legal resources (e.g. bankruptcy, predatory loan scams, etc.)