Resources

CCCS understands that it is desirable to have a variety of resources from which to choose. The following resources are designed to benefit you and your family as you make life's important financial decisions.


AnnualCreditReport.com

This following central site allows you to request a free credit file disclosure, commonly
called a credit report, once every 12 months from each of the nationwide consumer
credit reporting companies: Equifax, Experian and TransUnion.
www.annualcreditreport.com

Bankrate.com
Lists current interest rates for credit cards and other lenders; includes
breaking financial news and articles about credit use and abuse.
www.bankrate.com

ClarkHoward.com 
The Clark Howard Show provides up-to-date financial information via his TV show, blogs, video, newsletter and Q&A on a huge variety of topics.
http://clarkhoward.com/


Experian.com
Experian Consumer Education Resources offers a wide range of informative videos and more covering all aspects of credit and personal finance. Topics include credit score basics, identity theft, common credit myths, and how to protect yourself from credit fraud.
http://www.experian.com/consumer-education-content/index.html

Federalreserve.gov

The Federal Reserve has 12 major districts in the U.S. As part of their mission, they provide information on financial literacy and answer the questions: Where can I get help with credit debt resolution? Where can I find information about and/or get help with home foreclosure?
www.federalreserveeducation.org

FTC.gov
The FTC deals with issues that touch the economic life of every American.
The Federal Trade Commission is the nation's consumer protection agency. The FTC's Bureau of Consumer Protection works For The Consumer to prevent fraud, deception, and unfair business practices in the marketplace. It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy.
www.ftc.gov

HAMP.gov
The federal government's Home Affordable Modification Program (HAMP) offers an opportunity for struggling homeowners to stay in their homes by modifying their mortgage payments to make them more affordable. Detailed info and FAQS are available at the following sites.
http://www.justice.gov/ust/eo/public_affairs/consumer_info/index.htm


HUD.gov
U.S. Department of Housing and Urban Development (HUD) sponsors housing counseling agencies throughout the country that can provide free advice on buying a home, renting, defaults, foreclosures, credit issues and reverse mortgages.
www.hud.gov

JumpStartCoalition.com

JumpStart is a national coalition of organizations dedicated to improving the financial literacy of pre-kindergarten through college-age youth by providing advocacy, research, standards and educational resources. JumpStart strives to prepare youth for life-long successful financial decision-making.
www.jumpstartcoalition.com

MyMoney.gov
The Federal Government's website dedicated to helping Americans understand more about their money - how to save it, invest it, and manage it to meet their personal goals. You can use the resources on this site to learn how to manage your money better - and we hope you'll share what you learn with others.
www.mymoney.gov

VITA

Volunteer Income Tax Assistance, provides FREE tax preparation to individuals earning less than $53,000 a year. Certified volunteers operate the sites, which conform to IRS standards and offer e-filing to ensure you get your money faster. 


http://volunteer.unitedwayofthecv.org/agency/detail/?agency_id=13827  


Studentloanhelp.com

Borrowing to pay for college is the easy part. Repaying the debt is much harder. To know which options are best for you, your career prospects and your budget, it helps to have access to an expert who can guide you through the complexity of the various programs, explain your options under each, and take into account the context of your financial circumstances. If you are already out of school, we will first review your current source(s) of income and then look at your student loan debt and any other outstanding debt you may have, such as a mortgage, car loan or credit card debt. If you are still in school or about to enroll, we will look at your financial circumstances—including those of your family, if appropriate—and discuss your expectations for the future to help guide you toward a program that will serve you going forward.  Whether your goals are to find a lower monthly payment, reduce the length of time to pay off your student loans or decrease the amount of interest you pay over the term of your loans, our student loan counselors can recommend the options that are best for you.

http://www.studentloanhelp.org/


https://www.makinghomeaffordable.gov


https://www.allstatefoundation.org/domestic_violence.html