Important Resources

Name	Contact
Annual Free Credit Reports Annual CreditReport.com is the official site to help consumers to obtain their free credit report. This 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 - www.equifax.com Experian - www.experian.com TransUnion - transunion.com	annualcreditreport.com
Assoc. of Ind. Consumer Credit Counseling Agencies The Association of Independent Consumer Credit Counseling Agencies (AICCCA) is a member-supported national association representing non-profit credit counseling companies that provide consumer credit counseling, debt management, and financial education services. The AICCCA provides high-value services designed to establish equilibrium between consumers, creditors, and member agencies for the successful rehabilitation of debt-challenged families and individuals.	aiccca.org
Debt Advice Debt Advice is designed to help consumers understand the wise use of credit and locate a caring, certified counselor if they are in need of assistance. This website is supported by the members of the National Foundation for Credit Counseling (NHCC).	DebtAdvice.org
Department of Housing & Urban Development Toll-free fair housing complaint line. Discrimination complaints can also be filed by using HUD's online form at www.hud.gov/fairhousing.	hud.gov 800-669-9777
Department of Veterans Affairs Specific information for individuals who are veterans of military service. Information on housing, VA loans, medical benefits, VA/Government employment information and special program for veterans.	va.gov
Energy Trust of Oregon Are leaky ducts draining your heating or cooling budget? In a typical home, 20% of the air passing through a duct system is wasted because of leaks. There's an easy solution: seal them! If you're replacing your heating or cooling equipment, it's a great time to seal your ducts. Energy Trust makes it affordable with cash incentives. Look under Residential/Cash Incentives/Weatherization.	energytrust.org 866-368-7878
Federal Trade Commission Administers a wide variety of other consumer protection laws, including the Equal Credit Opportunity Act.	ftc.gov
Foreclosure - HUD Approved Counseling Agencies Are you having trouble keeping up with your mortgage payments? Have you received a notice from your lender asking you to contact them? Don't ignore the letters from your lender Contact your lender immediately Contact a HUD-approved Housing Counseling Agency Toll FREE (800) 569-4287 TTY (800) 877-8339	hud.gov/foreclosure 800-569-4287
ID Theft Identity theft is becoming a huge problem in the United States. Everyone is encouraged to be alert to the use of their Social Security Number	ftc.gov/idtheft
LexisNexis Consumer Disclosure Insurance eligibility and pricing decisions are based in part on reports obtained from consumer reporting agencies related to loss history. If your insurance company has sent you an adverse action letter or taken any of the following actions: Denied You Insurance Increased Your Rates Limited Your Coverage Cancelled Your Policy You are entitled to a free copy of your consumer file which can be ordered through ChoicePoint's Consumer Disclosure Center.	www.consumerdisclosure.com 800-456-6004
National Foundation for Credit Counseling Every client of NFCC member agencies receives comprehensive money management services based on their individual needs. Members provide free and/or affordable services, which are offered in-person or by phone. Many agencies also offer Web-based services. Housing counseling is also provided by many members for consumers who want to purchase homes and those who have fallen behind on their mortgage payments.	www.nfcc.org
NW Natural Free Appliance Inspection Help keep your gas appliances working safely and efficiently by scheduling a safety inspection of your equipment by NW Natural. The annual inspection is offered by NW Natural as part of the company's service, so there is no charge for the visit.	tiny9.com/u/nwnatinspect 800-422-4012
Portland Regional Lead Hazard Control Program Lead-based paint was used in many homes built prior to 1978, and even a small amount of lead dust can be enough to harm a child. The Portland Regional Lead Hazard Control Program provides a free evaluation of lead hazards AND financial assistance to reduce lead-based paint hazards in housing occupied by qualified low and moderate income households.	tinyurl.com/PRLHCP 503-823-3400
ReFIT Portland ReFIT, Remodeling for Independence Together is a non-profit volunteer organization providing home modification services for physically and financially challenged homeowners who wish to remain living independently in their homes. Homeowners in Clackamas, Multnomah or Washington County who have mobility limitations and an income below 80% of the median may qualify for assistance. See ReFIT's website for specific qualifications and application information.	refitportland.org

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