Credit

FREE CREDIT REPORTS FOR NJ RESIDENTS
http://www.state.nj.us/dca/dhcr/creditrpts.htm
Planning to buy a house? Rent an apartment? Plan ahead to avoid surprises!

New Jersey residents are legally entitled to one FREE credit report each year. Contact any or all of the following Credit Reporting Bureaus:
Equifax - 1-800-685-1111
Experian - 1-888-397-3742
Trans Union - 1-800-888-4213

Consumer Credit Counseling Service of New Jersey
This is a non-profit agency offering ways to get out of debt and use credit wisely since 1978. Licensed by the New Jersey Department of Banking, a United Way agency, approved by the United States Department of Housing and Urban Development, accredited by the Council on Accreditation of Services for Families and Children and one of the 1,200 offices nationwide affiliated with the National Foundation for Consumer Credit. You will be on your way to financial freedom with just a phone call to us or a click onto our online counseling service.
Call toll free at 1-888-726-3260 or visit www.cccsnj.org

Consumer Credit Counseling Service, Inc. is a non-profit community service, a member of the National Foundation for Credit Counseling, accredited by COAH, Council on Accreditation or Services for Families and Children, Inc. and a HUD Certified Housing Counseling agency. www.salhelp.org/cccs/

Consumer Credit & Budget Counseling, Inc. is a multi-state licensed, nonprofit consumer education and financial counseling agency, that serves individuals and families in financial distress. We offer FREE budget counseling and debt counseling. www.cc-bc.com

Money Management International (MMI) is a nonprofit, community service organization that provides professional financial guidance, counseling, community-wide educational programs and debt management assistance to consumers. MMI has over 20 years experience helping consumers regain financial control of their lives and reduce their debt liabilities. Thousands of consumers nationwide have chosen the MMI Debt Management Program as an alternative to bankruptcy. MMI is the largest full service, non-profit credit counseling agency affiliated with the National Foundation for Credit Counseling (NFCC).
www.moneymanagement.org/AboutUs/

Founded in 1972, HCCI is a growing, thriving non-profit agency that provides highly acclaimed Tenant/Landlord, Homebuyer, and Consumer Credit Counseling Services.

One-on-one counseling is available in person, by phone, by regular mail, or e-mail from HCCI in Topeka, Lawrence, Manhattan, and Emporia. Education programs are offered in schools, for community groups, and in partnership with a wide variety of homeless and welfare-to-work programs. Publications are available directly from HCCI and are available from partner organizations, as well as most libraries in the state.
http://www.hcci-ks.org/agency/agency.htm