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HOW TO DOCUMENT YOUR FINANCIAL HISTORY

GETTING A CREDIT REPORT FROM EQUIFAX, EXPERIAN AND TRANSUNION You are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Request Your Free Credit Report: • Online: Visit AnnualCreditReport.com • By phone: Call 1-877-322-8228. For TTY service, call 711 and refer the relay operator to 1-800-821-7232. • By mail: Complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service PO Box 105281 Atlanta, GA 30348-5281 Find Your Credit Score: Your credit report normally includes your credit score. However, if it does not, you can find your credit score by: 1. Checking your credit card or other loan statement. 2. Talking to a non-profit counselor. For a list of DOJ approved credit counseling agencies, visit: https://www.justice.gov/ust/list-credit-counseling-agencies-approved-pursuant-11- usc-111 3. Buying a score. You can buy a score directly from the credit reporting companies.

OPENING A BANK ACCOUNT: Only select banks and credit unions that do not require a Social Security or Individual Taxpayer Identification Number (ITIN). There are agencies that can help you with the request of an ITIN. Visit: https://www1.nyc.gov/site/idnyc/benefits/banks-and-credit-unions.page, or see the list in the back of this page for where to find help. Documents needed: • Valid photo I.D • A valid and unexpired foreign passport • IDNYC card if it has photo and address • Poof of address (any mail with applicant’s name and address)

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GET FREE FINANCIAL COUNSELING AT THESE LOCATIONS Book an appointment online at https://www1.nyc.gov/site/dca/consumers/get-free-financial- counseling.page or call 311. Financial Empowerment Center Locations

BRONX CAMBA NADAP 2244 Church Avenue, 4th Floor 1825 Park Avenue BronxWorks - Baychester Brooklyn, NY 11226 New York, NY 10035 1860 Schieffelin Avenue Bronx, NY 10466 RiseBoro Neighborhood Trust Financial 90 Beaver Street Partners BronxWorks - BronxChester Brooklyn, NY 11206 530 West 166th Street, 4th Floor 725 St Anns Avenue (at 166th Street) Bronx, NY 10455 SCO Center for Family Life Entrance on 166th Street between 443 39th Street St. Nicholas and Audubon avenues. BronxWorks - Carolyn McLaughlin Brooklyn, NY 11232 New York, NY 10032 Community Center 1130 Grand Concourse Spring Creek Towers Northern Improvement Bronx, NY 10456 1540 Van Siclen Avenue Corporation Brooklyn, NY 11239 45 Wadsworth Avenue (between BronxWorks - Mott Haven 175th and 176th streets) 630 Jackson Avenue The Brooklyn Community New York, NY 10033 Bronx, NY 10455 Justice Center 650 Rockaway Avenue QUEENS CUCS Benefits Center Brooklyn, NY 11212 1510 Southern Boulevard, Catholic Charities HomeBase Ground Fl. The Haitian American Caucus 161-10 Jamaica Avenue, 5th Floor Bronx, NY 10460 495 Flatbush Avenue Jamaica, NY 11432 Brooklyn, NY 11225 Legal Hand Highbridge Make the Road 1759 Jerome Avenue 92-10 Roosevelt Avenue Bronx, NY 10453 MANHATTAN Jackson Heights, NY 11372 The Department of Consumer Parkchester Enhancement Affairs Licensing Center Urban Upbound (Far Rockaway) Program (PEP) 42 , Lobby 1907 Mott Avenue 1525 Unionport Road, #ME New York, NY 10004 Far Rockaway, NY 11691 Bronx, NY 10462 Goddard Riverside Urban Upbound Spring Bank 140 West 140th Street (Long Island City) 69 East 167th Street New York, NY 10030 10-38 41st Avenue Bronx, NY 10452 Long Island City, NY 11101 Lower East Side People's Federal University Heights Credit Union (LESPFCU) STATEN ISLAND 45-67 West Tremont Avenue 37 Avenue B (corner of East 3rd Bronx, NY 10453 Street) Lower East Side People's Federal New York, NY 10009 Credit Union (LESPFCU) – North BROOKLYN Shore Branch Midtown (MCC) 2 St Paul’s Avenue Bedford Stuyvesant 314 West (between Staten Island, NY 10301 Restoration Corporation 8th and 9th avenues) 1368 Fulton Street New York, NY 10019 Staten Island Legal Services Brooklyn, NY 11216 36 Richmond Terrace Staten Island, NY 10301

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