Credit Scoring and Automated Underwriting?

Consumer Credit Counseling Services

For individuals or families who need help with solving debt problems or would like to improve their credit history, the Consumer Credit Counseling Service (CCCS) is available to provide confidential, professional counseling regardless of race, creed, age, color, sex, social position or financial status.

CCCS provides money-management assistance to individuals and families, assisting them in arranging mutually acceptable debt repayment plans with creditors. CCCS counselors help families plan monthly budgets and suggest methods to improve money management and spending habits. Services include budget counseling, mortgage default and rent delinquency counseling, debt management and consumer education. Counseling is available in person, by phone or by mail.

Consumers may want to contact CCCS for assistance before their credit reports reflect a poor credit history. Consumers should be wary if they have:

• an increased percentage of income being used to pay off debts;
• approached or reached credit limits;
• paid only the minimum on revolving accounts;
• been chronically late in paying bills;
• borrowed to pay for items usually paid for in cash;
• put off medical or dental visits for financial reasons;
• reached a point where losing a job would cause immediate financial difficulty;
• been threatened with repossession of car or credit cards or with other legal action; and
• avoided calculating total debt and are afraid to add it up.

CCCS has locations throughout the United States. Several of the offices serving the Eighth District are listed below. You also may contact CCCS at 1-800-966-3328.

Arkansas Family Service Agency 628 West Broadway, Suite 300 P.O. Box 5431 North Little Rock, AR 72119 (501) 753-0202, ext. 209 1-800-255-2227 (serves Southwest Arkansas) 4604 Summerhill Road Texarkana, Texas 75503 (903) 792-1116 Illinois 1616 W. Main St., Suite 200 Marion, IL 62959 (618) 997-1880 1623 Washington Ave. Alton, IL 62002 (314) 355-6162 Kentucky 2100 Gardiner, Suite 103A Louisville, KY 40205 546 Lone Oak Road, Suite 1 Paducah, KY 42003 (502) 443-7917

Mississippi Greenville, MS 38703 (601) 378-3227 Missouri 1904 North Westwood Poplar Bluff, MO 63901 (573) 686-3323 1300 Hampton Ave. St. Louis, MO 63139 (314) 647-9004 Tennessee Dyersburg, TN 1-800-710-8902 Family Services of Memphis 2400 Poplar, Suite 510 Memphis, TN 38112 (901) 323-4909