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FAQ
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TRAINING
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In this section, find answers to common questions about finances and a list of additional resources to help you access affordable health care, free tax preparation, and much more. If you don’t find your question below, or you need additional resources, dial 2-1-1 or visit http://www.unitedwayswi.org/.
ANSWERS TO COMMON FINANCIAL QUESTIONS
A bank told me I am on ChexSystems. What does this mean and how do I get a copy of my ChexSystems report?
I have no idea what my credit is like. Where can I get a copy of my credit report?
I think my identity has been stolen. Where can I find help with identity theft?
I am having trouble paying my bills; how can I reduce my debt?
I am worried I might need to declare bankruptcy; where can I go for help?
I have a mortgage and now I am worried about being foreclosed; who can I call?
ADDITIONAL RESOURCES
Free Tax Preparation
Help with Utility Bills
Rental Assistance
A bank told me I am on ChexSystems. What does this mean and how do I get a copy of my ChexSystems report?
A copy of your ChexSystems report can help you understand why you have been denied opening a bank account. If you have been denied in the past 60 days because of ChexSystems, you can access your report online. Otherwise you can write to ChexSystems, Inc. to send you your report. Click here to access your report.I have no idea what my credit is like. Where can I get a copy of my credit report?
You are entitled to one free credit report from each of the three credit bureaus (Transunion, Experion, and Equifax) every year. You can request and view your report online. Click here to view your report.The Federal Reserve Bank has published a pamphlet explaining your credit report, why your credit score is important, and how to use your report. Click here to view this tool.
I think my identity has been stolen. Where can I find help with identity theft?
The Federal Trade Commission provides an entire Web site about identity theft, including how to prevent identity theft and how to recover your identity if it has been stolen. Click here to visit the Federal Trade Commission’s Web site “Fighting Back Against Identity Theft.”The Federal Reserve Bank has also published a guide on “How to Establish, Use, and Protect your Credit.” Click here to view the guide.
I am having trouble paying my bills; how can I reduce my debt?
In the Evansville area, you can call the Consumer Credit Counseling Service of Evansville (CCC), a nonprofit financial resource center that offers tools to help you set and achieve financial goals. Click here to visit their Web site.If your goal is to eliminate or manage your debt, CCC also offers free, confidential consultations to help you achieve this goal. Click here to visit the CCC Web site. Or call (888) 711-7227
I am worried I might need to declare bankruptcy; where can I go for help?
In the Evansville area, you can call the Consumer Credit Counseling Service of Evansville (CCC), a nonprofit financial resource center that offers tools to help you set and achieve financial goals. To view their tools, click here. If your goal is to avoid filing for bankruptcy or to understand the bankruptcy process, they will counsel you through the process. Click here to learn more about this service.I have a mortgage and now I am worried about being foreclosed; who can I call?
You are not alone. Call the National Foreclosure Prevention Hotline: (888) 995-HOPE where your call will be answered by a homeownership counselor who can understand your situation and help with your next steps. You can also click here to visit their Web site.
ADDITIONAL RESOURCES
Use this list of resources to get help reducing your everyday expenses, claim all of the credits and benefits you are owed, and start building assets for the future.
