Table of Contents
The scenario of making the loophole possible! ............................................................... 3 Personal Information and its use ..................................................................................... 6 Social Security Numbers ................................................................................................. 7 The format and meaning of Social Security Numbers ..................................................... 9 How to create the new credit file ................................................................................... 11 Getting a new Driver’s license and ID ........................................................................... 14 How to keep your new credit file clean and build on it! .................................................. 16 The structure of the credit scoring system ..................................................................... 18 Getting a lot of Credit Cards .......................................................................................... 19 Overdraft checking accounts ......................................................................................... 21 Another “AAA” rated loophole ....................................................................................... 22 Credit Card Sources ...................................................................................................... 23 Free money! .................................................................................................................. 49 Foundations .................................................................................................................. 51 Cash Grants available ................................................................................................... 85 The Most Important Laws to Understand ...................................................................... 94 Conclusion .................................................................................................................... 96
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The scenario of making the loophole possible!
The process of creating a new DMV file (driver’s license bureau) or a new credit file sounds very difficult and a job thought to be impossible, but it is not. The DMV and credit bureaus have a huge amount of information that cannot be easily organized. Every such computer system has a million different names, but a significant amount of these names are the same, some even belong to the same city and sometimes the identical names even have the same birth date. The idea of creating a new clean file making sure that only your new file is recognized as genuine is thus, easy. In this modern era, the information comes at a very fast pace, keeping in view the annual births, deaths and some legal reasons. So, the computers are designed to update and remove information on a regular basis. This information does not only consist of the basic data of a personnel like name, date of birth and social security number etc., but also socio‐personal information like political affiliations, habits, eating and drinking patterns to distinguish between every person effectively. But artificial intelligence can never be an adequate alternate to the human mind. The computer systems lack in many ways to keep this operation running smoothly, because of a few reasons: ●
The huge size of the data.
●
The frequency, at which the registered data is being changed, removed and updated.
●
Recently applied legislations have limited the availability of data to different agencies and bureaus.
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●
The limitations of an artificial brain. A computer can never make decisions and results with incomplete information.
●
And finally, identity theft. This also helps the cause because of its vibrant activity nowadays.
Due to these reasons, the agencies and the bureaus are repeatedly collecting social and personal data about the individuals registered, and because this information is variable, they need to update on a very regular basis making it very difficult to be organized properly. In short, an individual’s credit profile (either TRW or TU) is never really complete during any time of his life and there are fair chances that even the incomplete report is not accurate. The databases rely on variable information and it is technically impossible to keep everything up‐to‐date and precise. This is the reason why new file creations, new alias registrations, use of multiple social security numbers are left unmonitored by the computers. This scenario enables the “Ultimate Credit Loophole” to form and allow us to perform a somewhat legal violation. These techniques and strategies are used actively by lawyers and other professionals.
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The loophole and how it works!
In a computer system you are identified on the basis of your name, date of birth, social security number and address etc. If any of this information is changed the computer does not update the information in your report until someone manually tells the computer to do it. Lawyers use such tricks to “manipulate” the database systems. When your set of information is put into the DMV or credit bureau’s computer systems, it has to match the information in the database completely; any change in any detail of the information will return a “no history found” error.
And this is where we can take advantage. Using this loophole you can get as much credit as you want! How? Well, we will tell you that, but let us know what this “Big Secret” does. Whenever you apply for a credit facility or tend to check someone’s credit record, and if that person does not exist, a new credit record file is created automatically and this file is eventually shared with all the credit bureaus across the country because all major credit bureaus and agencies like FBI etc., are connected to each other, and you have a new ‘national’ credit profile just like that!
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Personal Information and its use
Basically, there are 3 simple ways of creating this new credit profile.
1.
2.
Using the same name with a different set of personal information (date of birth, address, social security number etc.) Using the same set of personal information with a different last name or first name.
3.
Using an alias with a different or same set of personal information.*
* Some US states requires Alias Registration
As told before, opting for any of these options and then running a credit check will result in “no history found” or “no record found” error from the computer. And that’s what you need, this will allow you create a new credit profile and keep it strong and healthy. This new record with a new set of information can possibly match with someone else’s profile, but that case is very rare! So let’s get down to game, how to do it? A very simple and easy process will get you a “AAA” credit profile, a new Driver’s license or an ID card with an information of your choice i.e., your “second identity”.
Usually, people twist their names or sometimes change either their first or last name to apply for new credit, sometime even a change in spelling is used. Using the middle name instead of your first name will also do the trick, keeping all other personal information unchanged. A change of address is also vastly used to get new credit, but it should be kept in mind that the new address provided should be
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real and you should be able to receive mail on it. Using your sibling, parents or other family relative’s address would be ideal. In California, people use “aliases” under this technique for a variety of reasons. Famous personalities, celebrities and also political figures use aliases to hide their publicity and hidden assets that they do not want to disclose to the public. Many of them even establish new businesses under their aliases and often have a complete set of a different driver’s license, ID card and also a credit profile.
Social Security Numbers Changing your social security number is one of the easiest ways of getting credit; you don’t even have to change any of your personal information. Changing even 1 digit form your Social Security Number will create a new profile for you. In usual practice, you are not required for your Social Security Card or any proof of it by the creditors, they only ask for your Driver’s license, ID card and sometimes a proof of residence. Getting your new file will automatically obtain you a new social security card later on. A social security number is in the following format:
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xxx ‐ xx ‐ xxxx
The first 3 numbers tell the state you were born in, and the rest of them represent your personal information. But you only need to change the first three digits to get a new profile and keep everything else the same. Not changing will also allow you to remember it easily. Here is a list of Social Security Numbers of all the states in the US: 1
Alabama
416 to 424
28
Nevada
2
Alaska
574
29
New Hampshire
3
Arizona
526 to 527
30
New Jersey
135 to 158
4
Arkansas
429 to 432
31
New Mexico
525 and 585
5
California
545 to 573
32
New York
050 to 134
6
Colorado
521 to 524
33
North Carolina
237 to 245
7
Connecticut
040 to 049
34
North Dakota
501 to 502
8
Delaware
221 to 222
35
Ohio
268 to 302
9
Florida
261 to 267
36
Oklahoma
440 to 448
10
Georgia
252 to 260
37
Oregon
540 to 544
11 12
Hawaii Idaho
575 to 576 518 to 519
38 39
Pennsylvania Rhode Island
159 to 211 035 to 039
13
Illinois
318 to 361
40
South Carolina
247 to 251
14
Indiana
303 to 317
41
South Dakota
503 to 504
15
Iowa
478 to 485
42
Tennessee
408 to 415
16
Kansas
509 to 515
43
Texas
449 to 467
17
Kentucky
400 to 407
44
Utah
528 to 529
18
Louisiana
433 to 439
45
Vermont
008 to 009
19
Maine
004 to 007
46
Virginia
223 to 231
20
Maryland
212 to 220
47
Washington
531 to 539
21
Massachusetts
010 to 034
48
West Virginia
232 to 236
22
Michigan
362 to 386
49
Wisconsin
387 to 399
23
Minnesota
468 to 477
50
Wyoming
24
Mississippi
425 to 428 and 587
51
District of Columbia
25
Missouri
480 to 500
52
Virgin Islands
26
Montana
516 to 517
53
Puerto Rico
27
Nebraska
505 to 508
54
Guam, Samoa, Philippine Islands
55
Railroad Workers Before 1964
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530 001 to 008
520 577 to 579 580 580 to 585 586 700 to 729
Note: If you are going to use the same name with this technique, then you will have to change the place of the birth to the respected state you are opting for, but if you are using some other name then all your SS information may remain the same if you wish to. The database servers can easily identify the difference between your information and your case can be marked as illegal. If you want to use a new name, you can get it registered at the Social Security office. You simply have to give them your new name with the same sets of information and get a new Social Security Card printed out. After that, you will have two Social Security Cards with two different names. To do this, you need to have a Driver’s license and an ID card with a different name; we will explain how to do that later in this book. You do not need any court order or legal proceedings for the card, just a new set of ID card and Driver’s license.
The format and meaning of Social Security Numbers
Now that you know what the Social Security number looks like and what does the first 3 digits stand for, let’s get to know about the other two parts. The second part (2 digit number) is the “group” number, and the third part (4 digit number) is the “serial” number. Every now and then the Social Security Administration conducts researches and they pick one out of every five numbers to form a sample group. For example, if the last four digits of your Social Security Number end up between 3001‐3999 or 8001‐8999 then your number will be part of that respective sample group. The
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Social Security Office assigns the numbers in numerical order, but the sequence is changed after every fifth number for the sample group. The “group” number shows the time when the person was assigned the Social Security Number. The order starts with odd numbers 01 through 09 then even numbers 10 to 98 then even numbers 02 to 08 and finally odd numbers 11 through 99. Each state assigns its area numbers with the group number 01 and uses serial numbers 0001‐9999 before starting to use group number 03. For example, let’s use New Hampshire. The very first SSN assigned was 001‐01‐ 0001. The next was 002‐02‐0001 and the third of course was 003‐01‐ 0001. The fourth would have been 001‐01‐0002 and the fifth, which falls into the sample group, would be 001‐01‐2001. As the numbers increase, after 003‐01‐ 9999, the series would change and the next number would be 001‐03‐0001 respectively. Although some of the numbers would be invalid, such as:
Staring with three or more zeros Ending with four zeros Starting with 73‐79 or 6‐8
Now that we have learned on how to use the loophole technique effectively with your particular set of information, let’s now learn how to create the new file we want.
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How to create the new credit file
The operation of the Credit Bureaus is to get “bad” data on people. For example, your good record only stays for 2 years in your record, bad information and records for 7 years and bankruptcy records for 10 years. Surprisingly, sometimes timely payments and thrifts are also considered bad because one would not apply for loans if he had not been turned down by primary lenders. Also, getting frequent credit check will also hurt your credit score.
It is necessary that you maintain a good credit record on your new file and never let out your old (srcinal) information to any of your new credit applications; this will only blow the cover and bring you back down the ladder. There are three main credit bureaus in the country and you are allowed legal to have one free
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credit report every year from each of them. And using our ultimate loophole, you can create as many files as you want! The most effective way of creating a new file is by post. Thousands of people apply for credit each year to these credit agencies, so it is practically impossible for the agencies to double check every set of information, even a part of it. Their primary motive is to make money and they are too much focused on it, so they don’t pay attention to checking and are always busy in profit making, minimizing the load and keeping up to the legal requirements of providing people like you a free credit report each year. So, they pay more attention to the jobs which will earn them money rather than free ones like this. There is another way though, you can apply for credit reports using the Credit Bureaus’ websites. All of the sites have links to get your free annual report. Once you have decided with what information you will use, you simply have to visit their website, fill in the information and get your free credit report online in minutes! And thus, your new credit file has been successfully created! Now the arena is yours, keep it clean and good to get the most advantages out of it. Credit Bureaus: Equifax
http://www.equifax.com P.O. Box 740241 Atlanta, GA 30374 Business Line (also has option for Personal): 888‐202‐4025 Office in GA: 1‐800‐685‐1111 12 | P a g e
Dispute Fax #: 888‐826‐0573 Business: 802‐304‐0364 General: 800‐797‐6801 Experian
http://www.experian.com P.O. Box 2002 Allen, TX 75013 Office in TX: 1‐888‐397‐3742 Business: 888‐211‐0728
TransUnion
https://www.transunion.com P.O. Box 1000 Chester, PA 19022 Office in PA: 1‐800‐888‐4213 888‐259‐6845 (6am‐12 pacific time) 800‐916‐8800 (consumer relations)
Yet another simple way of getting credit is to walk into a simple jeweler’s store and buy an inexpensive item, costing below $100. You then have to ask for their credit form and apply for in‐house credit. When you have successfully paid off your credit, the shop administration will send up an A‐1 rated credit report to the bureaus in the next month.
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Getting a new Driver’s license and ID
Now let’s learn how to get a driver’s license and ID card for your newly created profile. All you need to do is go to the DMV with your new personal information and apply for a license. You can also show them the paper work that you have just got registered on the networks and this will do the trick just as for the credit bureaus. And if you want to use your same name, but with different information, you can simply fill out the form to change your address and get a new driver’s license. If you have just changed your name, then you can simply apply for a duplicate license, there is a standard procedure to get a duplicate license and it is a simple process. All you have to do is tell them that you’d like to make a name and address change. Most states do not require a court order for you to submit a name change at the DMV. You can call your local office to check if you might have to go to the courthouse first and file for a name change. Generally, lawyers charge $200 to $800 for a name change; you can also get the form from the courthouse and fill it out yourself for around $100 depending on the state you are situated in. But remember that the DMV may change your name and address at your request, but not your date of birth. If you are opting for a name change at the courthouse, fill out the form and check it in with the court clerk for the judge to sign. It normally takes a few days to be signed. After that, in order to make it legal, you need to publish your name change in a local newspaper. If this is not done that your name change will have no effect on your record. And this is the loophole, you do not need to publish your name change on a newspaper and prevent it for coming into your record.
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After filling your name and other details, you need to pay a fee and the DMV will take your picture. It will take a couple of weeks for your new license or state ID to arrive. Then you will have 2 licenses or ID cards with different sets of information or a one new ID and license with new information. It is important to be careful in these operations and keep all your records straight in your mind. If you created your new file with your same name and used different personal information, then you won’t need to do anything else to apply for new credit cards. (They never cross‐reference the address). So you can use your srcinal license or ID to apply for credit cards using new personal information like your address.
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But if you are applying for a major loan or credit contract which needs you to present your ID to people in the office, then you need to obtain the respected documents accordingly. The decision is yours; you can use any technique as you want to and achieve anything you desire. However, the most recommended method is to keep your name and birth date unchanged and use different information with it because that is the most simple and easy process.
How to keep your new credit file clean and build on it!
The basic idea is to start with small loans and pay them with taking new loans; this will keep your record clean and be rated as “AAA”. This will take no time at all and get you a good rating. Just choose a bank you like and open a new savings account in that bank. Mostly banks only demand a $100 deposit to open a new account. Once you have done this, you can ask the bank for a loan against your deposit money. The bank will not check any employment records against your name and grant you the loan against the deposit because it is basically secure. You may now take the loan, go to another bank and repeat the same process. After doing so with at least three banks, you can ask for a 6 to 12 months term for your loan. Also, make sure to keep your payment account passbook with you every time because it may be demanded by the banks at any time. Once this is all done, you will have $100 in your pocket, you may now open a checking account with the $100 you have.
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With this new account you will make your monthly payments for the loans you have taken. It is advised to wait for a couple of days and then make your first payment for each of your loan. Then, wait another week to make your second payments and so on. Within a month, you will have an active checking account, three active loans, and all of them being paid in advance. And so, you have a five star credit in the snap of a finger! You can now do the same thing with bigger amounts and get more and more credit. But be sure to always have enough money in your savings account so that you can make timely payments. With the interest on your savings account you will be at an even place after paying the loans and the interest on it, so you will have almost the whole $100 you started with. In a short time, you will be eligible for credit cards, auto loans, home loans and even signature loans! 17 | P a g e
The structure of the credit scoring system
Most banks will provide you unsecured loans when you will have 18 points in your case. The factors that make up points are most importantly, your points from the past obligations you have paid off. Stated below is the points system currently used by most of the banks: Parameter
Points
AGE
Points
CREDIT HISTORY
18‐21
0
LOAN AT THIS BANK
4
22‐25
1
LOAN AT OTHER BANK
3
26‐64
2
SAVINGS ACCOUNT
2
65‐69
1
CHECKING ACCOUNT
2
MARITAL STATUS
OCCUPATION
MARRIED
1
PROFESSIONAL
3
SINGLE
0
SKILLED
2
SEPARATD WIDOWED
0 0
UNSKILLED YEARS WITH EMPLOYER
1
DIVORCED
0
UNDER ONE
0
ONE OR THREE
1
DEPENDENTS
NO DEPENDENTS
0
FOUR TO SEVEN
2
ONE TO THREE
2
EIGHT OR OVER
3
OVER THREE
1
MONTHLY INCOME
UNDER $600
1
RENT UNFURNISHED
2
$ 600 TO $1,000
2
RENT FURNISHED
1
$1,000 TO $1,250
3
OWN WITHOUT MORTGAGE
4
$1,250 TO $1,500
4
OWN WITH MORTGAGE
3
$1,500 TO $2,000
5
LIVE WITH PARENTS
1
$2,000 AND OVER
6
0 TO 5 YEARS
1
TELEPHONE LISTED IN APPLICANTS NAME
2
6 YEARS AND UP
1
NOT LISTED IN AP'S NAME
0
RESIDENCE
PREVIOUS RESIDENCE
MONTHLY OBLIGATIONS
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Parameter
0 TO $250
1
OVER $250
0
Getting a lot of Credit Cards
Generally banks use 2 criterions to evaluate your eligibility for a credit card. One is the points system similar to the one explained in the previous chapter and one is running a credit check. While checking your credit history, the banks usually focus on the recent history you have. If they see that you have obtained 2 to 3 credit cards recently, they will be hesitant to issue you another credit card. And this phenomenon makes room for another loophole.
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In this modern era, information is passed on very easily and instantly. Using this technique in our favor is the loophole we are talking about. The idea is to gather as much credit card forms as you can, fill them out, and mail them back at the same day. Nowadays, the credit card industry is at the peak and you can easily get new offer pamphlets in usual public places and even in airplanes! So first you need to gather a lot of offers, you can look through the internet, yellow pages, public places, even banks. These salesmen will be very happy to give you new offers to get you register for a credit card from their bank or financial institution. Once you have collected offers, and apply to around 30 of them on the same day, you can hope for up to 10 of them to reply positively. Ten acceptances mean you get a limit of $10,000 a day because usually credit cards have a limit of $1000 a day. Now the choice is yours to invest your credit money where you want or use the technique of paying off one credit card loan from the other and repeat the chain process to improve your credit record even more! You can also take some money out of the $10,000 and open a new savings account, or deposit it into your existing saving account(s). You will then be able to ask that particular bank for a secured credit card. Having a secured credit card enables you to get more credit than the limit by using it frequently and making timely payments, you can avail this opportunity and you can also apply for more unsecured credit cards because now you have a clean and healthy credit record. The key to this fiasco is to be prudent and careful; you can’t just go on spending the money on anything you want. Investing your money carefully will bring in even more money! 20 | P a g e
Once you have your credit file built up, you can easily avail different cards like gas cards, airline cards, travel cards, car repair and rental cards, dinner cards etc. But you need to keep your balances below 30% so that you can avoid high interest charges. Another thing is to pay your balances a month before they are due. Some credit agencies use deceptive tricks to earn money as late payment charges; they change the due dates without proper announcement to the customers. Having a healthy relationship with your banks and its agents will always keep you one step ahead of others and will save you from a million hassles!
Overdraft checking accounts
After building up your new credit profile, you will be able to make overdraft checking accounts. These accounts give you the power of borrowing thousands of dollars at a time. But these accounts are not available in every state; you can find this out by calling to your State’s Capital Office. You may also ask them about the varying loan conditions for your respective state too. Overdraft checking accounts lets you issue checks for higher than your current account balance. Different banks have different policies for fees and interests so it will help you if you collect information from different banks and then make decision based on that information. Some banks only charge interest on these loans while some charge you at a certain percentage of the loan obtained. A few banks also pay you interest on your payments to them so look around and gather as much data as you can before making a decision.
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You can open two such accounts at a time or simply deposit the money you have availed through the service back to the account so that the interest earned on the deposit pays back the interest that is to be charged on the loan.
Another “AAA” rated loophole
Another amazing way to build up your credit is to utilize the good credit records of your relatives. All you need to do is to be added into the accounts to someone very close to you having an AAA credit record of years! Or they can also start a new credit file as you have only to help you. You simply have to get a card issue at your name with their account(s). Using this technique you will also be able to utilize their good credit record. You can also help them back when they need to by sharing some of the great rewards you will get using the amazing techniques and loopholes explained in this book! If you have two or three more of such relatives than you can easily become a Platinum cardholder practically overnight!
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Credit Card Sources
Bell Savings 400 S.EI Camino Road, P.O.BOX 5027, San Mateo, CA 94402 A credit check and employment verification may be needed. The minimum deposit is $1,000 and the credit line is up to 80% of your deposit depending on your credit. The interest is only 7% and no interest is charged if the bill is paid in full on or before the due date. Bell Savings has 17 offices throughout California. For a free major bank card application call 1‐415‐343‐8200. Just ask for a free 9‐percent major bank card application. Household Federal 555 N. Euclid, Anaheim, CA 92801 ATTN: Consumer Credit Department The minimum deposit is $1,000 and 50% of your deposit is the credit limit. The interest charged is 7.5%. Call 1‐714‐772‐7440 and ask for a free application. Napa Federal Savings & Loan
P.O. Box 480, Napa, CA 94558 They have very minimum requirements on credit checks. The minimum deposit is $1,000, with a 50% credit limit. At $3,000 or more the credit limit is 75%. There is no fee, and the interest rate is 8%. Napa Federal has three branches in Napa, Calistoga, and St. Helena, California. San Francisco Federal Savings & Loan Association ATTN: Debbie Babb, Credit Department, 1026 First Street, P.O. Box 480, Napa, CA 94558 They accept people with little or no credit history. A savings account minimum balance of $2,500 or 200% of outstanding credit must be maintained on the account. No annual membership fee is required. If your account is paid in full each month, there are no
finance charges. The interest rate is only 15% simple Interest. Senior citizen discount rate is 12%.
Santa Clara Savings and Loan Association ATTN: Frank Sepena, Credit Department, P.O. Box 730, Santa Clara, CA 95052 If you deposit $2,000 you get a major bank credit card with a $1,000 credit limit. Each $1,000 extra deposited acquires an additional $500 credit. No annual membership fee is 23 | P a g e
required, and if you pay your account in full each month, there is no interest. An interest rate of 12% is charged on any outstanding balance. With $500 or more deposited, you will automatically receive their major bank credit card in the gold edition. For a free application call 1‐408‐720‐8822.
First Interstate Bank & California
Bank Card Division, Van Nuys, CA 91409 Major bank credit card ‐ Liberal credit check
State Savings 222 N. El Dorado Street, Stockton, CA 95201 Major bank credit cards are available. The credit check is minimal. The minimum deposit is $2,500 with a 50% credit line. There is a fee of $15 per year with an interest rate of 15%. There are 28 branches throughout the California. The First National Bank of Chicago ATTN: First Chicago Savers Club‐12% Major Bank Credit Card, One First
National Plaza, Chicago, IL 60670They have a $2,500 minimum balance, but the interest They do minimal credit checks. charge is only 12%. Citicorp Savings of Illinois Credit Card Services Department, P.O. Box 87581, Chicago, IL 60680 They accept applications from the state of Illinois. There is a minimal credit check and a 100% credit line. If you will give yourself a smaller credit line of 50% or 75%, they might be willing to give you the card even if you don't pass their credit check. The minimum savings deposit is $1,000. There is no fee.
City Federal Savings & Loan Association East Jersey at Jefferson, Elizabeth, NJ 07201 They will verify employment and run a minimal credit check. The minimum credit line is $500 with a $1,000 savings deposit. The interest is 12%.
United Federal 498 Clement Street, San Francisco, CA 94118
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They may not accept applications out of California. There is a liberal credit check. You will receive a credit limit of 50% of your deposit, and the interest will be lower than normal. Los Angeles Federal Savings ATTN: Adrienne Alvarez, Credit Card Account Department, 1700 West Covina Parkway, West Covina.CA 91790 Golden Pacific Bank 241 Canal Street, New York, NY 10013, Minimum Balance is $1,000 Places Savings ATTN: New Accounts Dept., 949 Lincoln Way, Auburn, CA 95603 Financial Savings & Loan New Account Department, 5301 Whittier Blvd., Los Angeles, CA 90022 Citizens Savings New Accounts Department, PO Box 45031, Los Angeles, CA 90045 Financial Savings & Loan New Account Department, PO Box 869, Chico, CA 95927 The First Federal Savings & Loan Association of Charleston ATTN: Credit Card Dept., 34 Broad Street P.O. Box 190 Charleston, SC 29402 American Savings ATTN: Terry Parish, P.O. Box 2580, Reno, Nevada 89505
Great Western Savings 9429 Tampa Avenue, Northbridge, CA 91324 Citibank (South Dakota), N.A., P.O. Box 6020, Sioux Falls, SD 57117 Bank of Virginia Post Office Box 26030, Richmond, Virginia 23276
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Associates National Bank P.O. Box 599, San Ramon, CA 94583 Associates National Bank c/o CB Marketing, P.O. Box 1714, Bellaire, Texas 77401 First Federal of Chicago
Credit Card Service Dept., P.O. Box 8781 Chicago, IL 60680 Bayview Federal Savings 601 Market Street, San Francisco, CA 94105 The minimum deposit is $1,000 with a 50% credit line. The interest rate is 16%. Los Angeles Federal Savings Credit Card Account Department, 1 Wilshire Blvd., Los Angeles, CA 90017 The credit check consists of verification of employment and TRW. The minimum deposit is $2,000 with a credit limit of 50%. There is no fee, and the interest rate is 12% on the unpaid balance.
San Francisco Federal Savings Credit Card Department, Post & Kearny Streets, San Francisco, CA 94104 The minimum deposit is $2,500 with a credit line of 50%. There is no fee and the interest rate is 15%. United Savings Bank Special Bank Credit Account, 501 Maple Avenue West Vienna, Virginia 22180 The United Savings Bank has a special program whereby almost all applicants are approved and receive personal major bank credit regardless of credit history or job status. CoreStates Bank of Delaware Box 8922, Wilmington, DE 19885‐9685 Need Good Credit, Free up to 6 months then $20/month for VISA and $28/month for both M/C & VISA. Small Loans By Mail NATIONAL FINANCE & DISCOUNT CO. 2002 2nd Ave. N., Birmingham AL 35203
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KEYLN Co. 522 Dauphin St., Mobile, AL 36602 MASON PLAN INC. 365 Williams St. Mobile, AL 36606 CITYLA & FINANCE CO.
531 11th St., Douglas AZ 85607 H.R. CO. 25 E. Eva, Phoenix AZ 85020 SOUTHERN CREDIT CORP. 228 S. Olive, Malvern AR 72104 AIM ENTERPRISE INC. 1301 E. Orangewood Ave. Anaheim CA 92802 VALENTINE ASSOCIATES LTD.
21601 Devonshire St. Chatsworth CA 91311 COURTESY THRIFT LOAN ASSN 7918 Zenith Dr. Citrus Heights CA 95610 PERSONAL FINANCE CO. INC. 11005 Downey Ave. Downey CA 90241 GATEWAY FINANCIAL SERVICES 18837 Brookhurst, Fountain Valley CA 92708
G E CC FINANCIAL CORP. 260 Long Ridge Rd. Stamford CT 06902 GENERAL ELECTRIC CREDIT CORP. 260 Long Ridge Rd. Stamford CT 06904 A & B LOAN CO. INC. 160 S. La Brea Inglewood CA 90301
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CALIFORNIA PACIFIC FUNDING CO. 160 S. La Brea Ave. Inglewood CA 90301 AMAGCO FINANCE CO.INC. 2171 Campus Dr. Irvine CA 92715 FIRST FIDELITY THRIFT LN ASSN
18021 Cowan, Irvine CA 95640 CALIFORNIA STUDENT LOAN FINANCIAL 9750 W Pico Los Angeles CA 90035 DANMER FINANCIAL 11340 Olympic Blvd. Los Angeles CA 90064 PRODUCERS SALES ORGANZTN 10100 Santa Monica Blvd., Los Angeles CA 90067 SOUTHERN CA ANSRVTN FNCG CO.
810 S. Flower St. Los Angeles CA 90017 TELACU FINANCIAL SERVICES INC. 1330 S. Atlantic Blvd. Los Angeles CA 90022 TRANSAMERICA FINANCIAL CORP. 1150 S. Olive St., Los Angeles CA 90015 LESS‐FORD INVESTMENTS LTD. P.O. Box 126, Malibu CA 90265
COMMUNITY THRIFT & LOAN 2323 S. Atlantic Blvd. Monterey Park CA 91754 AVCO FINANCIAL SERVICES INC. 620 Newport Center Dr. Newport Beach CA 92660 AVCO THRIFT 620 Newport Center Dr. Newport Beach CA 92660
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GEORGIA MOTOR FINANCIAL CO. 544 Mulberry Macon CA 31201 PEOPLES FINANCIAL CORP. 789 Church St. NW, Marietta GA 30060 PEOPLES LOAN & FIN. CORP.
789 Church St. Marietta GA 30061 MOBILE HOME INVESTMENT CO. INC. 15100 Paramount Blvd. Paramount CA 90723 SECURITY PACIFIC FINANCIAL CORP 10089 Willow Creek Rd. San Diego CA 92131 SECURITY PACIFIC FINANCE SYS. 10089 Willow Creek Rd. San Diego CA 921311690 EQUITABLE CAPITAL CORP.
855 Sansome San Francisco CA 94111 LAWRENCE FINANCIAL INC. 333 Market St., San Francisco CA 94105 MORRIS PLAN CO. OF CA 715 Market St. San Francisco CA 94103 CALIFORNIA THRIFT & LOAN CO 25 Anapamu St. Santa Barbara CA 93102
TIME FINANCE CO. INC. 4000‐4008 Tweedy Blvd. South Gate CA 90280 CITY FINANCIAL INC. 112 Beach Blvd. Stantoa CA 90680 WHITTIER FINANCE 7929 Greenleaf Whittier CA 90608
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MDC CORP. 3600 S. Yosemite Denver CO 80237 HOME LN & INVESTMENT CO 145 N. 4th Grand Junction CO 81502 PEOPLES LN CO DANIELSON
100 Main St. Danielson CT 06239 NUTMEG FINANCIAL SERVICES INC. 50 Washington St. Norwalk CT 06854 G F C CORP. OF KS 1301 Central St. Evanston IL 60201 GENERAL FINANCE CORP. 1301 Central St. Evanston IL 60201 MELLON FINANCIAL SERVICES CORP.
1415 W. 22nd St. Hinsdale IL 60521 MARCON COMMUNICATIONS INC. 49 Riverside Ave. Westport CT 06880 BENEFICIAL FINANCE CO. INC. 1100 Carr Rd. Wilmington DE 19809 TOWN ENTERPRISES INC. 3926 Kirkwood Hwy. Wilmington DE 19808
WEST BENEFICIAL FINANCE INC. 1300 Market St. Wilmington DE 19801 ALLIED CAPITAL CORP. 16251 1st NW Washington DC 20006 ARISTAR INC. 3655 NW 87th Ave. Miami FL 331782494
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BLAZER FINANCIAL SERVICES P.O. Box 020260 Miami FL 331020260 PRO‐MED CAPITAL INC. 12550 Biscayne Blvd. Miami FL 33181 SAFECO CAPITAL INC.
835 SW 37th Ave. Miami FL 33135 THRIFT PLAN CORP. 2355 Sarizedo St. Miami FL 33134 WESTERN FINANCIAL CAPITAL CORP. 12550 Biscayne Blvd. Miami FL 33161 FEDERAL CREDIT CORP. 6666 22nd Ave. N St. Petersburg FL 33710 HERE ENTERPRISE
12305 Rose St. N Seminole FL 33542 MUTUAL FINANCE CO. 902 Tampa St. Tampa FL 33602 ACCEPTANCE CORP. 100 W. Hancock Ave. Athens GA 30601 FIRST ATLANTA CORP. 2 Peachtree Rd. NE Atlanta GA 30319
FLEET FINANCE INC.OF GA 30 Perimeter PK Atlanta GA 30341 CMC GROUP INC. 699 Broad St. Augusta GA 30902 O’DEA FINANCE CO. 1117 Locust St. Des Moines IA 50309
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PEOPLES FINANCE CO. 8565 Harbach Des Moines IA 50311 STOCKDALE INC. P.O. Box. 597 Okoboji IA 51355 CIMARRON INVESTMENT CO.INC.
101 N. Main. Cimarron KS 67835 CALDWELL JAMES M. 1010 Main Goodland KS 67735 MORRIS PLAN CO.INC. 7518 W. 80th St. Shawnee Msn KS 66204 COULD MANAGEMENT INC. 121 N. Main Syracuse KS 67878 ASHLAND FINANCE CO.
507 Plaza Bldg. Ashiland KY 41101 COMMONWEALTH FINANCE CO. 300 W. Vine St. Lexington KY 40507 KENTUCKY CNTRL.LIFE INS.CO. 300 W. Vine St. Lexington KY 40507 KENTUCKY FINANCE CO.INC. 300 W. Vine St. Lexington KY 40507
LEXINGTON FINANCE CO.INC. 110 W. Short St. Lexington KY 40507 LINCOLN INTERNATIONAL CORP. 120 Village St. Louisville KY 40243 FRIENDLY FINANCE INC. 400 S.6th Paducah KY 42001
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STUART J.E. FINANCE CO. Bethel Shopping Center Russellville KY 42276 CENTRAL CREDIT CORP. 4303 Plank Rd. Baton Rouge LA 70805 MID AMERICA HOLDING CO. INC.
4815 Jamestown Ave. Baton Rouge LA 70806 POST AMERICA CORP. 8149 Florida Blvd. Baton Rouge LA 70895 UNITED COMPANIES FINCL. CORP. 4041 Essen La. Baton Gouge LA 70821 BETTER FINANCE CO.INC. Ringgold Ave. Coushatta LA 71019 FUNDS FOR ENERGY INC.
111 Great Neck Rd. Great Neck NY 11021 OMNI FINANCIAL CORP. 240 N Ave. New Rochelle NY 10801 AMDISCO CORP. 767 3rd Ave. New York NY 10017 CIT FINANCIAL SVS.INC.DE 650 Medison Ave. New York NY 10022
COLLECTIVE ENTERPRICES INC. PO Box 2919 New York NY 10116 ITT CONSUMER SERVICES CORP. 320 Park Ave. New York NY 10022 JAPANESE AMERICAN CAPITAL CORP. 120 BROADWAY New York NY 10005
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MIDLAND CAPITAL CORP. 950 Third Ave. New York NY 10022 NORTH AMERICAN FUNDING CORP. 177 Canal St. New York, NY 10013 PANPAC CORP.
120 Broadway New York, NY 10271 POPULAR PREMINUM PLAN INC. 35 Chaton St. New York, NY 10002 TEXTILE BANKING CO. 51 Madison Ave. New York, NY 10010 CERTIFIED CONSUMER SERVICE INC. 1040 Payne Ave. N. Tonswanda, NY 14120 CERTIFIED FINANCE CO. INC.
1040 Payne Ave. N. Tonswanada, NY 14120 PUBLIC LN.CO.INC. Plaza Dr. Vastal, NY 13850 BARCLAT AMERICAN CORP. 201 S. Tryon St. Charlotte, NC 28202 CMC FINANCE GROUP INC. 1320 E. Morehead St., Charlotte, NC 28235
CAPITOL PREMIUM PLAN INC. 1320 E. Morehead St., Charlotte, NC 28204 UNITED FINANCIAL SERVICES INC. 5950 Fairview Rd., Charlotte, NC 28210 ATLANTIC CREDIT CORP. 410 E. Main St., Elizabeth CY,NC 27809
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ALLIED CREDIT SERVICE INC. 216 E. Main St., Andrews, SC 29510 PALMETTO MANAGEMENT CORP. 1121 Boundary St., Beaufort, SC 29902 CONSUMER ACCEPT.LOAN CORP.
462 King St., Charleston. SC 29403 RAVENEL EISERHARDT & CO. 15 Broad St., Charleston, SC 29401 PROVIDENT FINANCIAL CORP. 1426 Main St., Colunbia, SC 29226 HARRIS MARION 1208 S.5th St., Larky, SC 29640 TRANSOUTH FINANCIAL CORP.
518 S. Irby St., Florence, SC 29501 SOUTHERN BANCORP INC. 306 E. North St., Greenvilk, SC 29602 WORLD ACCEPTANCE CORP. 1251Spartanburg. Dr., Greenville, SC 29606 DENT INSURANCE AGENCY W. Bridge St., St. Matthews, SC 29135
PROFESSIONAL BANKERS CORP. 204 1/2 E. Main St., Spartanburg, SC 29304 SECURITY FIN.CORP.OF TN 204 E. Main St., Spartanburg, SC 29304 ABERDEEN FINANCE CORP. 18 3rd Ave. SE., Aberdeen, SD 57401
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TIME LN. PLAN. 101 N. Main, Sioux Falls, SD 57101 CONFIDENTIAL LN.& FINANCE CO. 609 N. Garden St., Columbia, TN 38401 SOUTHERN INDUS. BANKING CORP.
8419 Kingston Pike, Knoville, TN 37919 STANDARD DISCOUNT CORP. 418 First St. SE, Moultrie, GA 31768 MR AGENCY OF GA INC. 3169 Holcomb Bridge Rd., Norcross. GA 30071 FIRST FRANKLIN CORP. 213 E. Tugao St., Toccoa, GA 30577 FINANCE FACTORS LTD
195 S King St., Honolulu HI 96812 HAWAII RESORT INDUSTRISES INC. 2270 Kalakaua Ave., Honolulu, HI 96815 INVRSTORS FINANCE INC. 50 S. Beretaina St., Honolulu, HI 96813 NATIONAL MORTGAGE FIN.CO.LTD 1022 Bethel St., Honolulu, HI 96806
RAINBOW FINANCE CORP. 77 Merchant St., Honolulu, HI 96813 SAFETY LN.CO.LTD 2065 S. King St., Honolulu, HI 96826 FARM BUREAU FINANCE INC. 845 W. Center, Pocatello, ID 83201
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BUDGET FINANCE CORP. 15 N. Broadway, Aurora, IL 60505 AMERIFIN CORP. One N. La Salle St., Chicago, IL 60603 CIC FINANCIAL CORP.
323 N. Michigan, Chicago, IL 60601 HMI CREDIT CORP. 105 W. Adama, Chicago, IL 60690 HELLER WALTER E & CO 105 W. Adama St, Chicago, IL 60603 MERCANTILE FINANCIAL CORP.DE 730 N. Lincoln, Chicago, IL 60645 NATIONWIDE ACCEPTANCE CORP.
3435 N. Cicero Ave., Chicago, IL 60641 UNIVERSAL DEVELOPMENT CORP. 3 First National Plz., Chicago, IL 60603 PERSONAL FINANCE CO.INC.DE First National Plz., Chicago Hts., IL 60411 COMPUTER FINANCIAL CORP. 820 Davis., Evanston IL 60201
MAGEE FINANCE SERVICE INC. 968 Washington St., Franklinton. LA 70438 JACKSON LN. & INVESTMENT CO. 407 Polk Ave., Jonesboro, LA 71251 GULFCO INVESTMENT GROUP INC. 613 N. Main, Marksville, LA 71351
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GULFCO INVESTMENT INC. 613 N. Main, Marksville, LA 71351 SUN FINANCE CO. 3401 W. Esplanade. Ave. S., Metairie, LA 70002 WHITE ENTERPRISES INC.
2800 Veterans Mem. Bldg., Metairie, LA 70002 FIRST SECURITY FINANCIAL CORP. 203 Carondelet St., New Orleans, LA 70112 LUNKMORE FINANCE CORP. 633 Baronne St., New Orleans, LA 70113 REX FINANCE CO. 837 Gravier, New Orleans, LA 70112 ROTH CREDIT CORP.
210 Baronne St., New Orleans, LA 70112 A‐I AUTO FINANCE 3809 Hearne Ave., Shreveport, LA 71109 FOREMOST MORTGAGE CORP. 616 Milam, Shreveport, LA 71101 SALES FINANCING INC. 820 Jordan St., Shreveport, LA 71101
KEY BANCSHARES OF ME INC. 286 Water St., Augusta, ME 04330 COMMERCIAL CREDIT CO 300 St. Paul PL., Baltimore, MD 21202 COMMERCIAL CREDIT LOAN INC.NY 300 St. Paul PL., Baltimore, MD 21202
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COMMERCIAL CREDIT LOANS INC.DE 300 St. Paul PL., Baltimore, MD 21202 UNION TR BANCORP Baltimore & St. Paul Sts., Baltimore, MD 21203 LANDMARK FINANCIAL SERVICES
8605 Cameron St., Silver Spring. MD 20910 COMMUNITY FINANCE CO. 1169 E. Napiers, Benlon Harbor. MI 49022 FOREMOST CORP.OF AMERICA 5800 Foremost Dr., Grand Rapid, MI 49506 WYLIE WALTER C. & Co 557 Ashmum St., Salt St. Maria, MI 49783 GREAT SOUTH FIN.CO.
306 Evane St., Greenville, NC 27834 TIME INVESTMENT CORP. 201 E. Arlington, Greenville, NC 27834 WELCOME FINANCE CO.INC. 112 W. Ceatet St., Mebane, NC 27302 COMMERCIAL DISCOUNT CORP. 534 S. Scales St., Reidiville, NC 27320 CONFIDENTIAL LN. & FINANCE 127 W. Commerce St., Whiteville, NC 28472 PROTECTIVE LOAN CORP. 2 Bares Commons, Beras, OH 44017 PREFERRED CREDIT CORP. 149‐151 W. Fourth St., Cincinnati, OH 45201 SUNAMERICA CORP. 39 | P a g e
1015 Euclid Ave. Cleveland. OH 44115 SUNAMERICA FINCL. CORP. 1015 Euclid Ave., Cleveland, OH 44115 CAPITAL SVGS.& LN.CO 5025 Arlington. Blvd., Columbus, OH 43220 MORDERN FINANCE CO. 75 E. Gay St., Columbus, OH 43215 MOTORISTS MUTUAL INSURANCE CO. 417 E. Broad St., Columbus, OH 43215 BUTLER FINANCIAL CORP. 3rd & High St., Hamilton, OH 45011 CITY LN. & SVGS.CO. 200 W. Market St., Lima, OH 45802 AMERICAN BUDGET CO. 16 S. Washington St., New Bremen, OH 45869 DUNCAN FINANCE CO. 921 Walnut, Duncan. OK 73533 GARTMAN INC. 105 W. Marthall, Oklahoma City, OK 73110 MC CLELLAN FINANCE CO.INC. 103 McDonald Ave., Poteau, OK 74953 WESTERN VENTURE CAPITAL CORP 4880 S. Lewis, Tubs, OK 74105 AMERICAN CUARANTY FINANCIAL 1430 SW Broadway, Portland, OR 97201 NORTHWEST ACCEPTANCE CORP. 1001 SW 5th Ave., Portland, OR 97207 40 | P a g e
RELIADLE CREDIT ASSN. 1195 SE Powell Blvd., Portland, OR 97242 UNITED FINANCE CO 515 E. Burnalde St, Portland, OR 97214 AVERY G H CO.INC. 946 Rayner St., Memphis. TN 38114 THIRD NAT.CORP. Third Nat. BK. Bldg., Nashville. TN 37244 COSMOPOLITAN INVESTMENT CORP. OH Claude Hwy., Amarillo. TX 79101 STEED FINANCE 1310 W.8th, Amarillo. TX 79101
TEXAS CO. INC. 7439 N.STATE LamarCREDIT Blvd., Austin. TX 78752 C E S CAPITAL CORP. 4334 Lemmon Ave., Dallas. TX 75219 CAPITAL MARKRTING CORP. 9004 Ambassador Row, Dallas, TX 75265 DUCE & CO. 1103 Ross Ave., Dallas, TX 75202 EQUIPMENT CAPITAL CORP. 1103 Ross Ave., Dallas, TX 75202 AMERICAN FINANCE & INV.CO. 1201 E. Yandell, El Paso, TX 79902 FIDELITY MANAGEMENT INC. 4543 Post Oak Pl. Dr., Houston, TX 77027
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LINK GEORGE F 1405 Guadalupe, Larado, TX 78040 MANESS FINANCE & INVESTMENT 225 E. Collon St., Longview, TX 75601 PIERCE. WESTERN INC.
1814 Ave. Q Lubbock, TX 79401 CONZALEZ MERCATILE ROMA INC. 501 Grant, Roma, TX 78584 GILL FINANCIAL CORP. 614 Soledad, San Antonio, TX 78292 PERSONAL CREDIT PLAN INC. 6822 W. Military, San Antonio, TX 78227 MORGAN PLAN LOAN CO.
923 Main St., Texarkana, TX 75504 CELESTIAL CREDIT PLAN INC. 402 Court St., Pekin, IL 61554 HEIGHTS FINANCE CORP. Peoria, IL 61614
MIDWEST FINANCIAL GROUP INC. 301 SW Adams, Peoria, IL 61631 HOUSEHOLD CONSUMER DISC.CO. 2700 Sanders Rd., Prospect Hts., IL 60070 HOUSEHOLD INTERNATIONAL DISC.INC. 2700 Sanders Rd., Prospect Hts., IL 60070 HOUSEHOLD RETAIL SV.INC.IL 2700 Sanders Rd., Prospect Hts., IL 60070
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HUFFMAN FINANCE CO. 424 E. Monroe, Springfield, IL 62701 WONDERLIC E F & ASSOC.INC.DE 820 Frontage Rd., Winnetka, IL 60093 VALLEY FINANCIAL SERVICES INC.
230 E. Jackson Blvd., Elkhart, IN 46514 CREDITHRIFT FINANCIAL CORP. 601 NW 2nd St., Evansville, IN 47708 CREDITHRIFT FINANCIAL INC. 601 NW 2nd St., Evansville, IN 47701 FIRSTMARK FINANCIAL CORP. 108‐110 E. Washington, Indianapolis. IN 46204 LEAVELL & BATES INC.
420 Columbia St., Lafayette, IN 47901 AMERICAN FLETCHER FIN.SRVCS 333 W 4th St., Marion, IN 46952 FINANCE & INSURANCE INC. 1119 N. Butler, Marion. IN 46952
MUTUAL SECURITY INC. 112 S. Meridian St., Portland, IN 47371 NICHOLS INVESTMENT CORP. 1201 S.3rd St., Terre Haute, IN 47808
HUBCITY FINANCE CORP. 223 N. Columbia, Union City, IN 47390 MORAMERICA FINANCIAL CORP. 200 American Bldg. Cedar Rapids, IA 52401 43 | P a g e
ALAN PLAN CORP. 2111 Grand Ave., Des Moines, IA 50312 MUTUAL INVESTMENT CORP. 18501 W. Ten Mile Southfield, MI 48075 CITYSIDE CREDIT CO. 7525 Mitchell Rd., Hopkins, MN 55344 COMMUNITY CREDIT CO 3101 W.69th St., Minneapolis, MN 55435 ITT CONSUMER FINANCIAL CORP. 300 S. County Rd.18, Minneapoils, MN 55426 MINNESOTA LN.THRIFT ROCHESTR 314 S. Broadway, Rochester, MN 55901
BUILDERS FINANCE INC. 1055 E. Wayzata, MN 55391 GUARDIAN TR.CO. 38201‐55 N. Andrew Jackson Jackson, MS 39216 LAMAR LIFE CORP. 317 E. Capitol St., Jackson, MS 39205 TOWER LN.OF MS INC. 131 Channel 16 Way, Jackson, MS 39209 MC COLGAN INVESTMENT & LN.CO. 200 N. Broadway, Macomb, MS 39648 SHELTER FINANCIAL SERVICES INC. 1817 W. Broadway Columbia, MO 65218 CENTURY ACCEPTANCE CORP. City Center Sc., Kansas City, MO 64196 NORTH AMERICAN ACCEPTANCE CORP. 44 | P a g e
155 Main, St. Chair, MO 63077 AMERICAN INVESTMENT CO. 8301 Maryland Ave., St. Louis, MO 63105 CITICORP PERSON TO PERSON INC. 670 Mason Ridge Center Dr., St. Louis, MO 63141 ITT FINANCIAL CORP. 12555 Manchester Rd., St. Louis, MO 63131 MERCHANTILE BANCROP INC. Mercantile Tower, St. Louis, MO 63166 PREFERRED FINANCIAL CORP. 9034 Natural Bridge, St. Louis, MO 63121 FINANCIAL RESOURCES GROUP 110 Main St., Hackensack, NJ 07602 BENEFICIAL FINANCE CO.OF MI 1006 Springfield Ave., Newark, NJ 07111 N I MORTGAGE & INVESTMENT CO. 76 S. Orange Ave., South Orange, NI 07079
CAPITAL SMALL BUSINESS INV.CO. 143 E. State St. Trenioa, NI 08609 RED ROCK INVESTMENT CO. 701 W. Coal, Callup, NM 87301 FINANCE AMERICA CORP. 1105 Hamilton St., Allenton, PA 18101 PUBLIC FINANCE SERVICE INC. 19004 110 E. Dasmond St. Butler, PA 16001 CIVIC FINANCE SERVICE INC. 45 | P a g e
61 W. Prke St. Canoasburg, PA 15317 COMMUNITY CONS.DISC.CO.OF CLFD. 101N.Third St., Cleanfield, PA 16830 DALLAS CONSUMER DISCOUNT CO. 26 Lake St., Dallas. PA 18612 PILGRIM INTERGROUP INVESTMENT 710 Henderson Blvd., Folroft, PA 190320207 MARCOIN FINANCIAL CORP. 12 W. Clencide Ave. Clencide, PA 19038 F N B CONSUMER DISCOUNT CO 3320 E. State St., Hermitage, PA 16148 COMMERCIAL BANKING CORP. 4711 Risdng Sue Ave., Philadelphia, PA 19120 CORESTATES FINANCIAL CORP. Broad & Chesloui Sts., Philadelphia, PA 19101 OXFORD FIRST CORP. 6701 N. Broad St., Philadelphia, PA 19126
FRONTER FINANCE CO. 3322 Babcock Blvd., Pillsburgh, PA 15237 SIGNAL FINANCE CORP. 410 Robinson Plz. Three, Pillsburgh, PA 15230 SIGNAL FINANCIAL CORP. 410 Robinson Plz. Three, Pillsburgh, PA 15203 AMERICAN CONL.CREDIT CORP. 135 S.5th St., Reading, PA 19603 HORRIGAN AMERICAN INC. 46 | P a g e
135 S. Fifth St., Reading, PA 19601 HORRIGAN COS.INC. 135 S.5th St., Reading, PA 19603 PARCO FINANCIAL & INVESTMENT 1015 N. Main Ave., Scranion, PA 18508 FIRST FED.SVGS.& LN.MRCR.CNTY 13 Stata St., Sharoa. PA 16146 EQUITABLE CREDIT & DISCOUNT CO. 08045 W. Chester Pike, Upper Darby, PA 19082 DOMESTIC SAFE DEPOSITS CO. 815 Reservoir Ave., Providence, RI 02910 FLEET FINANCIAL CORP. 55 Kennedy Ptz., Providence, RI 020903 B & W FINANCE CO. 214 W. Irwin, Tyler, TX 75701 BELL FURNITURE & FINANCE CO. 214 W. Irwin, Tyler, TX 75702 FIRST FINANCE CORP 800 Washington Ave., Waco, TX 76701 MOSES LOAN & PAWN 500 S.8th, Waco, TX 76706 REBER INVESTMENT CORP. 146‐148 E. City Center, St. George. UT 84770 LOAN SERVICING CORP.OF UT 1706 Major St., Salt Lake Cy., UT 84131 UNITED EDUCATORS OF UT INC. 1321 E.3300 S., Salt Lake Cy., UT 84109 47 | P a g e
PARKS FINANCE SERVICE INC. 112 Second St. NE, Charlottesville., VA 22902 DANVILLE FINANCE & LN.CORP. 626 N. Ridge St., Danville, VA 24541 EAST WEST UNITED INV.CO. 6723 Whittier Ave., McLean, VA 22101 MID‐ATANTIC HOLDINGS INC. 201 N. Hamilton St., Richmond, VA 23221 VIRGINIA FARM BUREAUFED. 200 W. Grace St., Richmond, VA 23261 PERSONAL LN. CO. INC. 707 Simpson, WA 98550, Hoquiam, WA 98550
CASCAVE INDUSTRIAL LNWA .CO.98055 10829 SE 176th, Renton, ACME FINANCE CO. INC. 810 3rd Ave., Seattle, WA 98104
WESBANCO INC. Bank Plz., Wheeling. WV 26003 MADISON DEVELOPMENT CORP. 23 N. Pinckney, Madison, Wt 53703
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Free money!
The government is one of the most generous sources for money; it offers billions of dollars in the shape of grants and free money. Mostly people do not know about these things. This money can be taken by anyone who qualifies and you can apply for as many grants as you can with your profile. Quick Links:
www.//Grants.gov User guide: www.grants.gov/assets/GDC_AppUserGuide_0207.pdf http://www.govloans.gov/ Small Business Administration: www.sba.gov www.sba.gov/SBIR/indexsbir‐sttr.html Foundations:
www.FoundationCenter.org/getstarted/individuals/ www.FundsNetServices.com www.kn.pacbell.com/products/grants/locate.html Federal Money Programs:
Get a $25,000 micro loan to start a business! www.sba.gov Get $200,000 to run a ranch or a farm! www.fsa.usda.gov Get a $200,000 credit line for small business! www.sba.gov/financing/loanprog/caplines.tml Get $500,000 to start a business! www.sba.gov Get $300,000 to help get government contracts! www.dla.mil/db There’s $500,000 for females and minorities to get government contracts! http://osdbuweb.dot.gov Get $3,000,000 in venture capital! www.sba.gov/INV/venture.html Low Documentation Loan Program:
Fill out one page and get $150,000! www.sba.gov/financing/lendinvest/lowdoc.html Small Business Centers: www.sba.gov/services Small Business Investment Company (SBIC) Start up money: www.sba/gov/aboutsba/sbaprograms/inv/index.html
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Need Proof? Success Stories:
http://www.sba.gov/aboutsba/sbaprograms/inv/INV_SUCCESS_STORIES.HTML Venture Capital in New York SBTIF www.nylovessmallbiz.com Worker Training Grants: www.rihric.com/awards.htm For Educators/ Education: http://www.schoolgrants.org www.studentaid.ed.gov Grants For Women:
http://www.womensbusinessgrants.com/who.shtml www.count‐me‐in.org www.fundsnetservices.com/women.htm www.womensnet.net Get your utilities paid: www.acf.hhs.gov/programs/liheap Get your children’s expenses paid: www.acf.hhs.gov/programs/ofa/ www.childcareaware.org www.workfamily.org Free house repair:
http://www.govbenefits.gov http://www.rurdev.usda.gov/rhs/ Cutting down on your rent: www.hud.gov How about a free vacation?
www.ed.gov/programs/iegpsflasf/index.html http://www.iie.org/programs/nsep/graduate/award.htm For Seniors: www.fns.usda.gov/fdd/programs/nsip Free Lunch: www.fns.usda.gov/cnd/lunch Get tax credits:
www.taxcreditcompany.com www.ntcgtax.com
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Foundations
There are 6 basic steps to approach foundations. 1.
Analyze the program and the organizations to determine your need, the people you will address and the type of support you require.
2.
Using the list provided later in this chapter, make a list of possible foundation based on the subject, interest and limitations disclosed by the foundations.
3.
Find out more about every foundation by reviewing its latest annual reports or IRS form 990‐PF in the Foundation Center co‐operating libraries.
4.
Consult other Foundation center publications providing more detailed grants list and application procedures, as well as other directories, proposal guides, websites, and other foundation resources.
5.
After gathering all the information available, decide which foundations are eligible according to your needs and aims. Do not go for foundations that are most likely to reject your application. Write a good proposal, which is in accordance with the foundation’s instructions and which analyzes your needs and aims, establish your credibility and capacity to successfully carry out the purpose of the help. Also, include a detailed budget and describe about how you will measure your program’s success
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Contact list of foundation
The Admanson Foundation 3731 Wiltshire Blvd. Los Angeles, CA 90010
Alcoa Foundation 1501 Alcoa Building, Pittsburgh, PA 15219
Vincent Astor Foundation 405 Park Avenue, New York, NY 10022
James Graham Brown Found. 304 West Liberty Street, Louisville, KY 40202
The Bush Foundation W‐962 First Nat'l Bank Bldg., St. Paul, MN 55101
Carnegie Fundatn. of New York 437 Madison Avenue, New York, NY 10022
Atlantic Richfield 515 South Flower Street, Los Angeles, CA 90071
Battelle Memorial Foundation 100 East Broad, Columbus, OH 43215
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The Brown Foundation Inc., 2118 Welch Avenue, Houston, TX 77019
The Cleveland Foundation 700 National City Bank Bldg., Cleveland, OH 44114
The Commonwealth Fund 1 East 75th Street, New York, NY 10021
The Cullen Foundation Post Office Box 3331, Houston, TX 77001
Longwood Foundation Inc., 2024 DuPont Building, Wilmington, DE 19898
Mabee Foundation, Inc. 1916 First Nat'l Bank Bldg., Tulsa, Ok 74103
Andrew W. Mellon Foundation 525 William Penn Place, Pittsburgh, PA 15219
The Moody Foundation 704 Moody Nat'l Bank Bldg., Galveston, TX 77550
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Edna McConnell Clerk Found. 250 Park Avenue, New York, NY 10017
Danforth Foundation 222 South Central Avenue, St. Louis, MO 63105
De Rance Inc. 7700 West Blue Mound Road, Milwaukee, WI 53212
Disney Foundation 500 South Buena Vista Street, Burbank, CA 91521
The Duke Endowment 30 Rockefeller Plaza, New York, NY 10020
Sherman Fairchild Foundation 2 Greenwich Plaza, Greenwich, CT 06830
Max C. Fleischmann Found. P.O. Box 1871, Reno, NV 89505
The Ford Foundation 320 East 43rd Street, New York, NY 10017
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Ford Motor Company Fund The American Road, Dearborn, MI 48121
F.E. Gannett Newspaper Found. 1 Lincoln First Square, Rochester, NY 14604
Gulf Oil Foundation of Del. P.O. Box 1166, Pittsburgh, PA 15230
Houston Endowment P.O. Box 52338, Houston, TX 77052
Rubert Wood Johnson P.O. Box 2316, Princeton, NJ 08540
Alfred Pl. Sloan Foundation 630 Fifth Avenue, New York, NY 10020
The Surdna Foundation 200 Park Avenue, New York, NY 10017
Tyndale House Foundation 336 Gunderdson Drive, Box F, Wheaton, IL 60187
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Bostwick Foundation Inc., Shelbourne VT 05482
Echlin Foundation Echlin Rd., Branford CT 06405
Pratt Foundation New Milford, CT 06776
Scott Fund. Inc. 5 Quaker Center, Scarsdale, NY 10585
Rubenfeld Fund Inc., 170 Saw Miller River Rd., Yonkers, NY 10702
Lazarus Foundation Inc., 420 Market St., Wilmington, DE 19801
Merlike Foundation 732 Muneey Bldg., Wash. DC 20004
Grossberg Foundation 107 "N" St NW, Wash. DC 20006
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Chambers Foundation 300 St Paul Place, Baltimore, MD 21202
Morris Foundation Inc., 3701 Bank St., Baltimore, MD 21224
Stone Foundation Inc., 1030 Main St., Wheeling, WV 26003
Ireland Foundation Box 7497, Birmingham, AL 35223
Knapp Foundation Box 699, Gastonia, NC 28053
Belk Foundation 308 E 5th St., Charlotte, NC 28201
Liberty Fund 3520 Washington Blvd., Indianapolis, IN 46205
Rink Foundation Inc., Box 499, Notre Dame, IN 46556
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Kenosha Foundation 5522 6th Ave., Kenosha, WI 53141
Wehr Foundation Inc., 2100 Marine Plaza, Milwaukee, WI 53202
Rutledge Charity 404 Bridge St., Chippewa Falls, WI 54729
Treaey Co. Box 1678, Melena, MT 59601
Blair Inc 135 S LaSalle, Rm. 3605, Chicago, IL 60603
Blommer Foundation 600 W Kinzie St., Chicago, IL 60610
Adler Fund 33 S CLark St., Chicago, IL 60603
Allstate Foundation 7447 Skokie Blvd., Skokie, IL 60603
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Angelus Association 419 Columbia Terrace, Peoria, IL 61603
Abel Memorial Foundation 1815 "Y" St., Lineoin, NE 68508
Fields Trust 5 S 23rd St., Lawton, OK 73502
MeMahon Foundation 714 "C" Ave., Lawton, OK 73502
Cowles Fund Inc., 2513 Beefeater Ave., Wichita Falls, TX 73608
Bell Trust 2361 W Northwest Mwy., Dallas, TX 75220
Millerest Foundation Box 6031, Dallas, TX 75222
Clayton Fund Box 2538, Moisten, TX 77001
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Bettes Foundation 201 Main St., Houston, TX 77002
Kempner Fund Box 199, Galveston, TX 77469
George Foundation 207 S 3rd St., Richmond, TX 77469
Dougherty Foundation Box 640, Beeville, TX 78102
Forbes Fund Box 1581, Corpus Christi, TX 78403
Matson Trust Boyd. Bldg., Suite 618, Cheyenne, WY 82001
Hogle Foundation 132 S Main ST., SLC, UT 84101
Korber Foundation Inc., Box 486, Albuquerque, NM 87103
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The Corwin Foundation 122 S Robertson Blvd., LA, CA 90048
Cutter Foundation 709 Carleton St., Berkeley, CA 95110
FMC Foundation 1105 Coleman Ave., San Jose, CA 95110
Kawaiian Foundation Box 3170 , Konolulu, KI 96802
Tueker Foundation 1006 Public Service Bldg., Portland, OR 97204
Charles Stewart Mott. Found. 500 Mott Foundations Bldg., Flint, MI 48502
New York Community Trust 415 Madiso Avenue, New York, NY 10017
William Penn Foundation 920 Suburban Station Bldg., Philadelphia, PA 19103
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The Pew Memorial Trust 1529 Walnut Street, Philadelphia, PA 19012
Research Corporation 405 Lexington Avenue, New York, NY 10020
The Rockefeller Foundation 1133 Avenue of the Americas, New York, NY 10020
The San Francisco Foundation 425 California Street, San Francisco, CA 94104
Sarah Scaife Fundation 1114 Oliver Building, Pittsburgh, PA 15222
Turrell Fund 15 South Munn Avenue, East Orange, NJ 07018
TRW Foundation 23555 Euclid Avenue, Cleveland, OH 44117
United States Steel Foundation 600 Grant Street, Pittsburgh, PA 15230
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Willian K. Warren Foundation P.O. Box 45370, Tulsa, OK 74145
Robert A. Welch Foundation 2010 Bank of the SW Bidg., Houston, TX 77002
Western Electric Fund 195 Broadway, New York, NY 10007
Lettie Pate Whitehead Foundation 230 Peachtree Street, NW, Atlanta, GA 30303
Woods Charitable Fund Inc., 332 South Michigan Avenue, Chicago, IL 60604
The Xerox Fund Xerox Corporation, Stanford, CT 069 MORE FOUNDATIONS, GRANTS AND OTHER FREE MONEY
Allegheny Foundation
Box 268, Pillsburgh, PA 15230 AID to FAMILIES WITH DEPENDENT CHILDREN Payments are to families who need assistance for their children. US Dept. of Health, Education & Welfare, Wash. DC 20201 is in charge of the program. Refer to "Blue pages" local Phone Directory for local office to apply. 63 | P a g e
American Standard Foundation 40 W 40th St., NYC 10018
AFL‐CIO College Merit Scholarship Program AFL‐CIO Dept. of Education; 815 16th St. NW, Wash. DC 20006. A limited number of scholarships of about $6000 awarded each year.
Annenberg Fund Box 750, 250 King of Prussia Rd., Penna, PA 19088
American Baptist Board of Education & Publication Division of Christian Higher Learning, Valley Forge, PA 19481. High School members who belong to American Baptist Churches can be nominated by their Pastor for a College scholarship. Must show financial need; Scholarships from $500 to $3000 awarded annually.
Atkinson Foundation 10 W Orange Ave., S San Francisco, CA 94080
Balustein Foundation Balustein Bldg., Baltimore, MD 21203
Altantic‐Richfield Foundation 515 S Flower St., LA, CA 90071
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Barker Foundation, Inc. Box 328, Nashua, NH 03060
Barnes Foundation, Inc. 18 Main St., Bristol, CT 06010
Bernstein Foundation 1369, Connecticut Ave. NW, Wash. DC 20036 (Preference to Jews).
Biddle (Mary Duke) Foundation 30 Rockefeller Plaza, Suite 4300 NYC 10020
Brid Companies Charitable Foundation Washington St., E Walpole MA 02032
Brooklyn Benevolent Society 84 Amity St., Brooklyn, NY 11201 Aid to orphan children; Also provides clothing and fuel to needy folks in Brooklyn.
Broyhill Foundation Box 700, Lenoir, NC 28645. Student loans and grants to deserving, needy children wanting to go to college.
Burlington‐Northern Foundation 176 E 5th., St. Paul, MN 55101 65 | P a g e
Carnegie Crop. of New York 437 Madison Ave., NYC 10022
Carter(Amos) Foundation 400 W 7th , Box 1036, Ft. Worth, TX 76101
CBS Foundation 51 W 52nd St., NYC 10021. Grants to attend Columbia University for those interested in radio & TV earners.
Champion Foundation, Box 637 Providence, RI 02901
Chicago Community Trust 208 S LaSalle St., Chicago, IL 60604
Clark Foundation 30 Wall St., NYC 10005
Chambers Foundation 300 St. Paul Place, Baltimore, MD 21202
Clayton Fund Box 2538, Houston, TX 77001
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Cleveland Foundation 700 National City Blvd., Cleveland, OH 44114
Collins Foundation 909 Terminal Sales Bldg., Portland, OR 97205
Columbus Foundation 17 S High St., Suit 707, Columbus OH 43215
Caffarelli Educational Trust Drawer 1600, San Antonio, TX 78206
Commonwealth Fund 1 E 75th St., NYC 10002
Cooke Foundation Ltd. c/o Hawaiian Trust Co. Ltd., Box 3170, Honolulu, HI 96802
Cogswell Benevolent Trust 875 Elm St., Manchester, NH 03101
Cullen Foundation Box 1600, Houston, TX 77001
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Danforth Foundation 222 S Central Ave., St Louis, MO 63105
Dayton Foundation 1395 Winters Bank Tower, Dayton, ON 63105
Dodge (Geraldine) Foundation 95 Madison Ave., Box 1239R, Morristown, NJ 07960
Driscoll Foundation 2100 First National Bank Bldg., St. Paul, MN 55701
Dougherty Foundation Box 640, Beeville, TX 78102
Duke Endowment 200 S Tyron St., 7th Floor, Charlotte, NC 27707
Dupler Foundation Inc., 907 Desert Bldg., SLC, UT 84111
Dekay Foundation c/o Cummings & Lockwood, 1 Atlantic St., Stamford, CT 06904. Funds for men and women of refined culture who may be elderly or disabled. Disaster Relief thru Mennonite Disaster Service A relief organization which helps victims of natural 68 | P a g e
disasters (flood, hurricanes, storms, etc.); they assist in cleanup ;repair and long‐ term reconstruction for senior citizens, handicapped, widowed, low income, etc.
MENNONITE DISASTER SERVICE 21 S 12th St., Akron, PA 17501
Dempster Graduate Fellowships United Methodist Church, Dept. of Ministry, Division of Higher Education, Box 871, Nashville, TN 37302. For Men, Women, planning to teach in seminars or teach religion in College up to $4000 annual available.
Eastman Kodak Charitable Trust. c/o Lincoln First Bank of Rochester, Box 1412, Rochester, NY 14603
Echlin Foundation Echin Rd., Branford, CT 06405 (Philanthropy)
Edison (chares) Fund 101 S Harrison St., E Orange, NJ 07018
ENCO Oil Education Foundation 800 Bell Ave., Houston, TX 77002
Ettigner Foundation 420 Lexington Ave., Houston, NYC 10017 69 | P a g e
Exxon Educational Fund 111 W 49th St., NYC 10020
Fels (Sam'l) Fund 2 Penn Center Plaza, Rm.620,Phila., PA 19102
Field Foundation 100 E 85th St., NYC 10028 Family Location & Legal Service of Jewish Family Service 33 W 60th St., NYC 10023. Free Legal Services to needy persons and to help locate missing members of poor families. Farm Workers Grants Migrant families given free Service; Relocation; Education and Health Services. Write to: Office of National Programs, Employment and Training
Administration, Dept. of Labor, Wash DC 20210 FMC Foundation,1105 Coleman Ave. San Jose, CA 95110
Fitzgerald Foundation Round Hill Road, Greenwich, Conn.06833
Ford (Edw F) Foundation 84 Nassau At., Princeton, N.J. 08540
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Foundation Fund for R search 100 York St., New Haven, Conn. 06511 (educational loans, grants).
Fleet Foundation Balboa Park, San Diego, Calif. 92101 (Low interest loans and scholarships for needy students; college level; limited to San Diego Co.)
Forbes Fund P.O. Box 1581, Corpus Christi, Tex. 78403
Fund for N.J. 57 Washington St., E. Orange, N.J. 07017
Gannett Foundation Lincoln Tower, Rochester, N.Y. 14604
Gates Foundation 155 So. Madison, Suite 332 Denver, Colo. 80209
Gebbie Foundation Hotel Jamestown Bldg. Room 308, Jamestown, N.K. 14701 Graham Foundation for Advanced Studies in Fine Arts 4 West Burton Place, Chicago, Ill 60610. Grant as high as $30,000 for making contribution in fine arts.
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Gilmore Foundation c/o American Nat'l Bank & Trust, 136 East Michigan Ave., Kalamazoo, Mich 49006. Grant to low income persons in the Kalamazoo area: from $99 to $3100.
Grass Foundation 101 Old Colony Ave., Quincy, Mass 02169 Grants for study of marine biology.
Good Samaritan Inc., 9034 Dupont Bldg., Wilmington, Del. 19898 (special interest causes) Grossberg Foundation 707 H. St., N.W. Washington D.C. 2000 (aid to those financially distressed)
Harris Bank Foundation III W. Monroe St., Chicago, Ill 60690
Hatterschedit Foundation Inc., 302 Capitod Bldg., Aberdeen, SO. Dak.57401 (Philanthropy)
Hartford (John A) Foundation 405 Lexington Ave, 55th floor; New York City 10174
Hearst Foundation 888‐7th Ave., NYC 10106 (applicants from West of Mississippi River mail to c/o Chas. L. Gould, 690 Market St., Suite 502, San Francisco Calif.94104
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Herrick Foundation 2500 Detroit Bank & Trust Bldg., Detroit, Mich. 48226
Hillcrest Foundation P.O. Box 6031, Dallas, Texas 75222
Hillman Foundation 2000 Grant Bldg., Pittsburgh, Pa. 15219
Honeywell Foundation 275 W. Market St., P.O. 432. Wabash, Ind. 46992
Honeywell Fund Honeywell Plaza, Minneapolis, Minn 55408
George Harrington Trust c/o John G. Cornish, 106 Clyde St Chestnut Hill, Mass. 02167.
Assistances to sufferers from nervous disorders. Houston Endowment P.O. Box 52338, Houston, TX. 77052
INA Foundation 1600 Arch St., Phila. Pa. 19101
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Independent Student Aid Assoc. P.O. Box 107,Kannapolis, North Carolina 28081
Indianapolis Foundation 615 No. Alabama St., Indianapolis, Indiana 46204
Ittleson Foundation 660 Madison Ave., NYC 10021
IM Foundation 60th E.42nd St., New York City 10165
Jensen Foundation 2427 Londonberry Rd .,Ann Arbor, Mich 48104
Joycen Foundation 135 So. LaSalle St., Suits 2252, Chicago, Ill. 60603
Judd Charitable Donations Trust 195 Grand St., Waterbury, Conn. 06720 (special interest causes).
Kasier (Henry J.) Family Foundation 525 Middlefield Rd., Suite 200, Menlo Park, Calir. 94025
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Kantzler Foundation 900 Center Ave., Bay City, Mich 48706
Kaplan (J.M.) Fund 2 Fast 34th St., NYC 10016
Kellogg (W.K.) Foundation 400 No. Ave., Battle Creek, Mich. 49016
Kerr Foundation 1208 Fidelity Plaza, Oklahoma City, Okla. 73102
Kimberly Clark Foundation No. Lake St., Neenah, WI 54956
Kiplinger Foundation 1729 H. St., N.W., Washington, D.C. 20006
Knapp Foundation P.O. Box 699, Gastonia, No. Car. 28053
Knight Foundation One Cascade Plaza, Akron, Ohio 44308
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Kresge Foundation 2401 W. Beaver Rd., Troy, MI. 48084
Kroc Foundation P.O. Box 547, Santa Ynez, Calif 93460
Leslie Fund 3600 W. Lake Ave., Glenview, Ill. 60025
Loyola Foundation 308 C. St., N.E. Washington, D.C., 20002
Lazarus Foundation Inc., 420 Market St., Wilmington, Del. 19801. (Philantropy)
Macy (Josiah) Foundation One Rockefeller Plaza, NYC 10020
McGregor Fund 2026 Commonwealth Bldg., Detriot, Mich 48226
McInery Foundation P.O. Box 2390, Honolulu, HI 96804
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Meadows Foundation 310 Meadows Bldg., Dallas, TX 75206
Mellon (Andrew) Foundation 140 E.62nd St., NYC 10021
Memorial Foundation for Jewish Culture 15 E. 26th St., New York City 10010; aid for those of Jewish Faith; Provides scholarships and educational awards.
Maysteel Foundation Inc 800 Horicon St., Maybille, Wisc 53050 (special interests)
Merck Co. Foundation P.O. Box 2000, Rahway N.J.07065
Metropolitan Life Foundation One Madison Ave., NYC. 10010
Milbank Memorial Fund One E.75th St., NYC 10021
Mobil Foundation 150 E. 42nd St., NYC 10017
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Mulcahy Foundation 80 W. Franklin St., Tucson, Ariz .85701.
Navy Relief Society 801 N. Randolph St., Arlington VA 22303 Relief for officers and enlisted men of the U.S. Naval Service ; also Marines and dependents of deceased officers & personnel.
Andrew Norman Foundation 10960 Wilshire Blvd., Suite 820 Los Angeles Calif. 90024. FREE Loans for needy minority students Calif colleges.
Needmor Fund Ft. Industry Sq., 136 No Summit Square Tolledo Ohio 43604 New World Foundation 100 E. 85th St., NYC 10028.
New York Foundation 369 Lexington Ave., NYC 10017
Norfolk Foundation 201 Granby Mall Bidg., Suite 406 , Norfolk , VA 23510
Norman Foundation 730 Fifth Ave., Suite 2001, NYC 10019 78 | P a g e
Olin Foundation C/o Lawrence W. Milas, 299 Park Ave., New York City 10017
Ottinger Foundation 370 Lexington Ave., NYC 10017
Office of Education Div of Student Services; 400 Maryland Ave., S.W., Room 4662
Washington, D.C. 20202. Pasadena Foundation 16 No. Marengo Ave., Suite 219, Pasadena, Calif. 91101
Prange HC Company Fund INC., 717‐31 North 8th St., Sheboygan Wisc., 53081. (Philanthropy)
Pew Memorial Trust c/o The Glenmede Trust Co., 229 South 18th St., Phila. Pa. 19103
Phila.Foundation 1502 Two Girard Plaza, Phila. Pa., 19102
Piton Foundation 817‐17th St., Suite 710, Denver, Colo. 80112 79 | P a g e
Polaroid Foundation 750 Main St., Cambridge, Md. 02139
Pratt & Whiney foundation c/o Conn. Bank & Trust, 760 Main St. Hartford, Conn. (educational scholarships)
Proctor & Gamble Fund 3018 6th St., Cincinnati, Ohio 45202 or, P.O. Box 599 Cincinnati, Ohio 45201
Prudential Foundation Prudential Plaza, 15th floor, Newark, N.J. 07101
Quaker Oats Foundation Merchandise Mart Plaza, Chicago, Ill 60654
Research Corp. 405 Lexington Ave., NYC 10017
Annie Rensselaer Memorial Fund c/o Sherman & Sterling, 53 Wall St., NYC. 10005. Money AID to women who have Worked for a living.
Rhode Island Foundation 15 Westminster St., Providence, R.I. 029
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Mary Lynn Richardson Fund P.O. Box 20124, Greensboro, N.C. 27420 Money available to aged, indigent and needy persons living in No. Carolina and all Southern states.
Rockefeller Bros. Fund 1290 Ave of the Americans, NYC 10104
Rockefeller Family Fund 1290 Ave of the Americans, Room 3450, NYC 10104
Rosenberg Foundation 210 Post St., San Francisco, Calif. 94108
Rowland Foundation P.O. Box 13, Cambrige, MASS 02138
Schering‐Plough Foundation Galloping Hill Road, Kenilworth, N.J. 07033
Seattle Foundation 1411 4th Ave. Bldg., Suite 1522 Seattle, Wash 98101
Self Foundation Drawer 1017, Greenwood, S.C. 29646
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Shalan Foundation 680 Beach St., Suite 498, San Francisco, 04109
Shell Compaines Foundation 2 Shell Plaza, P.O. Box 2099, Houston, TX. 77001
Shubert Foundation 234 W. 44th St., NYC 10036
Skillman Foundation 333 W. Fort St., Suite 1350, Detroit, Mich 48226
Sloan (Alfred P.) Foundation 630‐5th Ave., NYC 101I1
Spencer Foundation 875 No. Michigan Ave., Chicago, Ill. 60611
Starr Foundation 70 Pine St., NYC 10270
Stern Fund 370 Lexington Ave., NYC 10017
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Sussman (Otto) Trust c/o Sullivan & Crowell, 48 Wall St., 19th floor, NYC 10005. Assistance for needy persons who may have had some misfortune; Residents of New York, N.J., Penna. Or Oklahoma can apply.
John Solem Scholarship Trust c/o 1st Nat'l Bank, Sioux Fall, 112 So. Phillips Ave., So, Dak. 57102
Teagle Foundation
30 Rockefeller Plaza, Room 2835, New York City 10012
Tinker Foundation 645 Madison., NYC 10022
Talent Search Grants For youths of low income families who are disadvantaged because of rural location, and, who have academic potential. Contact, Div of Student Services, Office of Foundation, 400 Maryland Ave., S.W. Washington, D.C. 20202
U.S. Steel Foundation 600 Grant St., Room 6284, Pittsburg, Penna. 15230
Victoria Foundation 2 Russell Terrace, Montclair, N.J, 07042 83 | P a g e
Weigart Foundation 1200 Wilshire Blvd., Suite 305. Los Angeles, Calif. 90017
Western Electric Fund 222 Broadway, NYC 10038
Windham Foundation P.O. Box 68, Grafton, Vt. 05146
Whitney Benefits Inc. P.O. Box 691, Sheridan, Wyoming, 82801 Interest free loans to residents in a number of counties in Wyoming.
Witter (Dean) Foundation 57 Post St., San Francisco, California 94104
Zellerbach Family Fund 260 Calif. St., Suite 1010 San Francisco, California 94111.
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Cash Grants available
Foundations provide with individuals and organizations with different grants, they give out millions of dollars each year for causes that they assume to be worthy enough. An individual or any organization has to write a proposal stating the details of their cause. If you do not think yourself to be able to write a proposal, you can hire accountants and lawyers to write it for you. The internet also provides with help to writing such proposals for free. If you are opting to write the proposal yourself then you should keep in view some things. You should state it clearly why you want this money and where do you plan to spend it. You need to provide all the names of the principles that are involved in the cause. If you work for a business or run a business, then be sure to include your annual financial reports with the proposal i.e. your balance sheet. Do not try to fool or deceive the foundation with any financial information because it will be thoroughly analyzed by sophisticated financiers.
Crane Fund for Widows and Children 4100 So. Kedzie Ave., Chicago IL 60632
Alfred I. Dupont Foundation P.O. Box 1380,803 Florida National Bldg., Jacksonville, FL 32201
Cummings & Lockwood One Altantic Street, Stamford, CT 06903
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Robert O. Law Foundation 2120 E.21st St., Fort Lauderdale, FL 33305
The David & Lucille Packard Foundation 385 Homer Ave., Palo Alto, CA 94402 (Local area residents only)
The Gleason Fund. Inc. 1000 University Ave., Rochester, NY 14607
Reade Industrial Fund 135 So. LaSalle St., Suite 1200, Chicago, IL 60603 (Illinois residents only)
Frank and Laura Smock Foundation 116 F. Berry St., Fort Wayne, IN 46802 (Indiana residents of Presbyterian faith)
Thomas Thompson Trust 4058 Prudential Center, Boston, MA 02401
The Pilgrim Foundation 1106 Main St., Room 13, Brockton, MA 02401
The Knapp Fund. Inc. 460 Park Ave., 14th Floor, New York, NY 10022 (Educational & Elderly)
Sherman & Sterling 53 Wall Street, New York, NY 10005 (women only)
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Mary Lynn Richardson Fund P.O. Box 20124, Greensboro, NC 27420 (North Carolina and Southeastern States only)
John G. Cornish 106 Clyde St., Chestnut Hill, MA 02167 (Persons with nervous disorders)
Sullivan and Cromell 48 Wall St., 19th Floor, New York, NY 10005 (New York, New & Pennsylvania residents)
Special Assistance Programs
Financial assistance for dependents of deceased Naval personnel: Navy Relief Society, 801 N. Randolph St., Arlington, VA 22203
Outright grants or non‐interest loans for low income families or senior citizens in rural areas to fix up their homes ‐ Contact the nearest Farm Home Administration Office or the U.S. Dept. of Agriculture.
Cash grants for farm workers ‐ Office of National Programs, Employment and Training Administration, Department of Labor, Washington, DC 20210/
Financial help for needy families with dependent children – Assistance payments Administration, U.S. Department of Health, Education, and Welfare, Washington, DC 20550
Food Stamps Program ‐ contract the Food and Nutrition Service Regional Office in your area, or write: Director, Food Stamp Division, Food and Nutrition Service, U.S. Department of Agriculture, Washington, DC 20250 87 | P a g e
Financial Benefits For Education Division of Student Services and Veteran Programs Office of Education,400 Maryland Ave. S.W., Room 5662, Washington, DC 20202 (low income farm of rural families) City University of New York, 535 E. 80th St., New York, NY 10021 (Applicant must be graduate of a New York City High School)
Jewish Free Loan Association 590 No. Vermont Ave., Los Angeles, CA 90004 (Non‐secterian) Abelhard Foundation One E. 52nd St., New York, NY 10022 (minority)
AFL‐CIO Department of Education 815 16th St. N.W. Washington, DC 20006
John B. Lyrich Scholarship Foundation P.O. Box 1109, Wilmington, DE 19899 (scholarships)
Central National Bank of Mattoon, Mattoon, IL 61938 (students who will attend college in Illinois) The Broyhill Foundation P.O. Box 700, Lenoir, NC 28645 James and Mary Bryan Foundation 1307 Glenwood Ave., Raleigh, NC 27605
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Joseph Collins Foundation Citicorp Center Bldg., 153rd St., New York, NY 10022 (medical students)
National Association of Letter Carriers 100 Indiana Ave. N.W., Washington, DC 20001 (children of active or retired letter carriers)
United Methodist Church Department of the Ministry, Division of Higher Education, P.O. Box 871, Nashville, TN 37202 (students who intend to teach religion)
Skelly Oil Co. Foundation P.O. Box 1650, Tulsa, OK 74102 (Children of active or former employees)
Fleet Foundation Balboa Park, San Diego, CA 92101 (local)
ACT 2201 No. Dodge St., Iowa City, IA 52243
The Broyhill Foundation P.O. Box 700, Lenoir, NC 28645 Ettinger Foundation 420 Lexington Ave., New York, NY 10017 (Children with learning disabilities)
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American Baptist Board of Education Division of Christian Higher Learning, Valley Forge, PA 19481 (Baptist only)
The Youth Foundation 36 W. 44th St., New York, NY 10026 (literary, scientific and educational fields)
Government Grants For The Arts
Media Arts Program National Endowment for the Arts, 2401 "E" St., N.W., Washington DC 20506 (individuals & groups to produce films)
Literature Program, National Endowment for the Arts, 2401 "E" St. N.W., Washington DC 20506 (writing)
Information Processing National Endowment for the Arts, 2401 "E" St, N.W. Washington DC 20506 (music)
Financing For Employees Of The Government
Government Employees Corp. Vermont and K Sts. N.W. Washington DC 20005 Government Employees Financial Corp. P.O. Box 5555, Denver, CO 80217
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Memorial Foundation for Jewish Culture 15 E.26th St. New York, NY 10010 (Students of Jewish faith in the arts field)
Broadhurst Foundation 1701 First National Bidg. Tulsa OK 74103 (Christian Ministry)
CBS Foundation 51 W. 52nd St. New York, NY 10019 (radio & television)
Brookings Institution 722 Jackson PL. N. W., Washington DC 20006
Beinecke Foundation Cliffdale Road, Greenwich, CT 06833
Foundations Fund for Research 100 York St., New Haven, CT 06511
Ben Selling Scholarship Loan Fund P.O. Box 3131, Portland, OR 97208
White Scholarship Fund 73 Main St., Cooperstown, NY 13326
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Venture Capital Investors Affiliated With Major Banks
1. Bankers Trust Capital Corp. 280 Park Ave. NY 10017 (212)850‐1916
2. BancBoston Ventures Inc. 100 Fereral St.,Boston MA 02110 (617)434‐2442 3. BankAmerica Capital Corp. 555 California St. San Fran. CA 94104 (415)622‐2230
4. Chemical (Bank) Venture Partners, LP 277 Park Ave. NY 10172 (212)310‐4949
5. Citicorp Venture Capital Ltd. Citicorp Center(28 Flr) NY 10043 (212)559‐1127
6. Continental Illinois Venture Corp. 231 S. LaSalle St. Chgo IL 60697 (312)828‐8023
7. First Chicago Venture Capital 3,1st National Plaza Chgo IL 60670 (312)732‐5400
8. Fleet(Bank) Venture Partners III Westminster St. Providence RI 02903 (401)278‐6770
9. Irving (Bank) Capital Corp. 1290 Ave. of Americas NY 10104 (212)408‐4800 92 | P a g e
10. Wells Fargo Capital Corp. 650 Town Center Dr. Costa Mesa CA 92626 (714)556‐1964 For more Venture Capital opportunities contact the National Venture Capital Association (NVCA) at 1655 N Fort Myer Dr. Ste 700 Arlington VA 22209. Send them a SASE and they will send you a free Directory. There is also a Venture Capital Network (VCN) which you can contact at Box 882 Durham NC 03824 (603)862‐ 3556. This is a matching service for loans between $50,000 to $750,000.
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The Most Important Laws to Understand
●
The Fair Credit Billing Act
●
The Equal Credit Opportunity Act
●
The Fair Credit Reporting Act The Fair Credit Billing Act states that if you find an error of at least $50 on your credit card statement or department store charge statement and you write to the company about it, the company must acknowledge your letter within 30 days and must resolve the dispute within 90 days. You must write on a separate piece of paper, not on the bill.
The Equal Credit Opportunity Act bars discrimination on the basis of sex or marital status in the granting of credit. Furthermore, you cannot be discriminated against on the basis of age, race, color, religion, national srcin, or receipt of public assistance payments. The Equal Credit Opportunity Act requires that if you are denied credit, the creditor must tell you why you were turned down.
The Fair Credit Reporting Act protects your credit status from misinformation, and unverifiable or incomplete information. If you have been denied credit within the past 30 days because of a negative report, the lender who turned you down must give you the name and address of the credit bureau that supplied the report. You then have the right to obtain a free copy of your file from the credit bureau. This file must contain all the credit information they have on you and the sources from which they obtained the information. Under the Fair Credit Reporting Act, you 94 | P a g e
also have the right to an investigation of any information in your file that you feel is inaccurate or incomplete. This is your right whether or not you have been turned down recently by a creditor or lender. If the investigation reveals that the information in your file is inaccurate or incomplete, or if it cannot be verified, it must either be corrected or removed from your file. The credit bureau must send a copy of the corrected record to each creditor or employer who was furnished with the incorrect or incomplete information. Even if the credit bureau finds no reason to correct your file, you have the right to issue a statement of your reasons for disputing their records, and this statement must be kept as a permanent part of your file. If a credit bureau violates the Fair Credit Reporting Act in anyway, you should contact the Federal Trade Commission and you have the right to sue the credit bureau.
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Conclusion
Now that you know all the tricks of the game and are aware of all the possible loopholes, you now have complete power over your credit records, DMV and all your personal records. You now have the totally new and fresh file you have always wanted. Use it well and as you wanted because you now have the perfect knowledge of how to play it safe and effectively in the world of “credit”. We wish you all the best for your new career and hope that you use the loopholes and tricks taught to you by “The Ultimate Credit Report Loophole” effectively. So break free of the past and enjoy your new future!
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