Links

BUDGETING

Feed the Pig 
Here, you’ll find fun tools, a quiz, tons of tips and other resources to help you think through your spending and saving habits to help you reduce debt and grow your savings.

CREDIT CARD DEBT

American Consumer Credit Counseling
American Consumer Credit Counseling is a non profit credit counseling agency dedicated to helping you regain control of your finances and plan a debt free future.

HOME APPRAISAL

Lubbock Central Appraisal District
Update your property information, apply for exemptions, and research appraisal values of homes.
ID THEFT & SECURITY

TeleCheck Services
You may file a report here if you are a victim of fraudulent use of your checks.
INTEREST RATES

Bank Rates
Find current mortgage, home loans, refinancing, credit card, and CD rates.

CONSUMER & CREDIT REPORTS

ChexSystems Consumer Assistance
If you have been denied an account from a bank or credit union, and ChexSystems was used in the decision process, you can order your consumer report to help you understand what led to this decision.
800-428-9623

Credit Reporting Agencies

Free Annual Credit Report
This central site allows you to request a free copy of your credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.  877-322-8228

FICO Scores
The FICO® Score is a number that summarizes your credit risk. Lenders use it to make credit decisions, such as the interest rate you get when you apply for a loan. Obtain your personal FICO score here. 800-319-4433

 

OPT OUT PROGRAMS

Credit Card & Insurance Offer Removal List
If you decide that you no longer wish to receive pre-approved credit card and insurance offers, the national credit bureaus offer you two choices: You can opt out of receiving them for five years or opt out of receiving them permanently. 888-5OPT-OUT (888-567-8688)

Direct Mail Removal List
The Direct Marketing Association has developed a tool to help you manage your mail. You can choose to be removed from unwanted mailing lists including catalogs, newsletters, donation requests, and more. 212-768-7277

National Do Not Call Registry
The National Do Not Call Registry gives you the choice whether or not to receive telemarketing calls at home. You can register your home or mobile phones for free.

GOVERNMENT RESOURCES

GENERAL

USA Government Made Easy
A-Z resources through the government’s official portal. 800-333-4636

Government Benefits
Online access to government benefits and assistance programs including unemployment, disaster assistance, etc.

BANKING

National Credit Union Association
Locate and join a local credit union. 703-518-6300

CONSUMER PROTECTION

Federal Deposit Insurance Corporation
You can find resources provided by the FDIC protect and educate consumers. 877-275-3342

Federal Reserve
This government agency works to ensure the stability of the U.S. financial market. The web site offers some consumer resources as well.

Federal Trade Commission
The FTC works to ensure the protection for consumers from fraud, deception, and unfair business practices.

HEALTHCARE

Affordable Care Act
Information on the Affordable Care Act and various healthcare options can be found here.

Medicare
Medicare is health insurance offered by the Federal government to those who are 65 or older or those under age 65 with certain disabilities. 800-MEDICARE (800-633-4273)

CHIP/Medicaid
Children without health insurance may be able to get low cost or free health coverage from the Children’s Health Insurance Program (CHIP) or Children’s Medicaid. Both programs cover office visits, prescription drugs, dental care, eye exams, glasses, and much more. 1-877-543-7669

HOUSING

Making Homes Affordable
If you are having trouble making your mortgage payments or have missed a payment, contact to see what options are available for you. 888-995-4673

RETIREMENT

Social Security Benefits
Order earnings and benefit statements or  report fraudulent use of SSN here. 800-772-1213

STUDENTS

Department of Education
Obtain information on student loans, grants, loan forgiveness, and more. 800-333-4636

TAXES

Internal Revenue Service
The nation’s tax collection agency where you can find tax-related information. 800-829-1040

OTHER

Safelink Wireless
A government-supported program that provides free cell phone and air time to income-eligible participants.
800-977-3768