Credit Resources in Kansas City

Portrait of woman holding a card

In 2016, Money Smart Month KC will release its new financial capability website.  This website will have hundreds of local and national financial capability and economic mobility resources.  One  key subject will be credit.  Credit resources will be provided for individuals, families, teachers, community based organizations, financial institutions, human resource directors, and others.  The website is expected to be released in February.

 

The key questions that most individuals ask about credit are listed below.

  • Explore how, when, where, and why to pull your credit report.
  • Learn the difference between your credit report and credit score.
  • Understand how credit works.
  • Improve credit for yourself or your business.
  • Calculate debt reduction strategies.
  • Find out the do’s and don’ts of using credit.
  • Connect with a credit counselor (online, by phone, or in person).

 

Please see the resources below for to find information pertaining to these action items.

 

55.7% of Missouri residents have subprime credit.

http://scorecard.assetsandopportunity.org/latest/state/mo

 

51.9% of Kansas residents have subprime credit.

http://scorecard.assetsandopportunity.org/latest/state/ks

 

 

Local Credit Resources

Financial Opportunity Centers

Greater Kansas City LISC and United Way of Greater Kansas City partner to create Financial Opportunity Centers (FOCs) to help low- and moderate-income families achieve their financial goals.  FOCs empower people to take control of their financial futures through education and coaching, career planning and placement, and access to critical public and private benefits that increase household income.

 

Learn more about the FOC model here.

 

Guadalupe Centers Inc.

Villa de Guadalupe, West Building

1512 Van Brunt Boulevard

Kansas City, MO  64127

816-561-6885

 

Prosperity Center

5151 Troost Avenue, Ste 100

Kansas City, MO  64110

816-501-4239

 

Women’s Employment Network

920 Main, Suite 100

Kansas City, MO  64105

816-822-8083

 

Credit Counseling and Financial Coaching (by phone, internet or in person)

 

Apprisen

1-888-867-1513

Apprisen is a nonprofit financial coaching and credit counseling organization.  You can meet with a Certified Financial Counselor in a free, initial counseling session that sets the foundation for identifying what you want to accomplish, including solutions to credit and debt concerns.

 

Credit Building for Housing Options

 

CHES Inc.

816-533-7417

CHES, Inc. is a HUD Certified, 501(c)(3) nonprofit housing, financial education, and counseling organization, empowering people just like you every day.  Browse our website and discover what CHES, Inc. can do for you!

 

Small Business Credit Building

JustinePETERSEN

314-533-2411

Justine PETERSEN is staffed by credit experts.  Allow us to assist you in working to improve your credit score, create new lines of credit, and deal with old credit issues.  JustinePETERSEN’s approach emphasizes new lines of credit to positively impact your credit score.

 

KCSourceLink

816-235-6500 or 866-870-6500

KCSourceLink helps aspiring startups and established small businesses find the right business resource to start, scale, or accelerate.  Give us a call or tell us who you are and we’ll help you find your path to business success.

 

National Credit Resources

 

Resources to Access a Credit Report

Annual Credit Report:  Get a free copy of your credit report every 12 months from each credit reporting company.

Equifax:  Access your Equifax credit report and credit score for a fee.

Experian:  Access your Experian credit report and credit score for a fee.

My Fico:  Pay a fee for a FICO credit score and one report or all three.

TransUnion:  Access your TransUnion credit report and credit score for a fee.

 

Credit Building Resources

CFPB

Whether consumers are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products, the CFPB wants to ensure that consumers get the information they need to make the financial decisions they believe are best for themselves and their families.

 

Federal Citizens Information Center

The Federal Citizens Information Center offers important consumer information and publications to help individuals make life decisions.

 

FDIC Money Smart

Consumers, bankers, and community service providers can use free Money Smart tools to teach or learn about basic financial topics.  Money Smart is also available for different age groups and in nine languages.  Money Smart for Small Business helps new and aspiring entrepreneurs understand financial basics.

 

Federal Trade Commission

If you are choosing a credit card or wondering whether offers of credit and loans, these tips can help.

 

Learn about Credit Reports

Understand credit ceports so you can make wise financial decisions.

 

My Money

The federal government’s website for information on handling personal finances with helpful resources from more than 20 federal agencies.

 

Consumer Action Handbook

Order a FREE Consumer Action Handbook with many tips on credit and many more financial capability subjects.

 

BLOGS and INTERNET

 

Experian Credit Blog

Check out Experian’s credit education tools and blog to get answers to your credit questions.

 

Your Credit Report and Your Small Business

If you are looking for capital for your small business, read this article on how to make sure your credit is an asset.

 

CREDIT VIDEOS

 

Credit Report vs. Credit Score

 

How Do I Receive A Free Credit Report?

 

How is a FICO score determined?

 

How to Build a Better Credit Score

 

How to Dispute a Late Payment

 

Your FICO score

 

Credit 101 – Credit Education Videos From Experian

 

TransUnion Credit Education Videos