CREDIT IMPROVEMENT    

 Your credit score is everywhere. It's a “snapshot” of your risk at a particular point in time. It changes as new information is added to your bank and credit bureau files. Scores change gradually as you change the way you handle credit. For example, past credit problems impact your scores less as time passes. Lenders request a current score when you submit a credit application, so they have the most recent information available. Therefore by taking the time to improve your scores, you can qualify for more favorable interest rates. It's used to approve you for a credit card, a car loan, a mortgage and many other types of financing. Your car and home insurance bills can be lower with a better credit score. Even a cellphone contract's terms, your utility deposit or the amount of money you have to give your ​landlord upfront as a security deposit can all come down to that number. A poor credit score can be downright expensive!!!      

 If you are planning on buying a home in the next few months, I bet you are already spending plenty of time checking out online listings. Listen up: That’s not where all your attention should be. Right now, the most important planning step you can make is to check your credit score and make sure your finances are in the best possible shape. 

d you get a notice that says a company lost your personal information in a data breach? Did you lose your wallet with credit cards, debit cards, driver's licenses, Social Security cards, insurance cards, passports, military identification cards, traveler's checks and Medicare or Medicaid identification? Or learn that an online account was hacked? Remember filing bankruptcy under Bankruptcy Code 11 USC is not your only option. We are here to help! We’ve got your back! Don’t go it alone. 

SNAP BENEFITS   

SNAP, formerly known as the Food Stamp Program, is the nation’s most important anti-hunger program. SNAP provides nutritional support for low-income seniors, people with disabilities living on fixed incomes, and other individuals and families with low incomes.  

SNAP eligibility rules and benefit levels are, for the most part, set at the federal level and uniform across the nation, though states have flexibility to tailor aspects of the program. Individuals must pass all eligibility rules to receive food assistance benefits.

  Ineligibility 

Ineligibility: Individuals are ineligible for SNAP if they:

 are convicted of drug trafficking, 

are running away from a felony warrant,

 purposely break Food Assistance Program rules, 

are noncitizens without a qualified status, 

or are a student who attends an institution of higher education at least half time, in some circumstances. 

Households can use food assistance benefits to buy breads, cereals, fruits, vegetables, meats, fish, poultry, dairy, and plants and seeds to grow food for your household to eat. Households cannot use food assistance benefits to buy nonfood items such as pet foods, soaps, paper products, household supplies, grooming items, alcoholic beverages, tobacco, vitamins, medicines, food to eat in the store, or hot foods.

 Once approved for SNAP and/or TANF benefits, we will have your re-loadable EBT card mailed to your mailing address on file. 

The cost of our services is $49.99.   

SOCIAL SECURITY RETIREMENT

You can start receiving your Social Security retirement benefits as early as age 62.   

Applying online is the easiest way to complete your application at a time that works for you, without a trip to the Social Security office. 

 Local Social Security offices are closed to the public and their employees are assisting people by telephone which takes hours of waiting.  Social Security’s customer service falls far short of what older Americans have a right to expect. It is unacceptable that callers to Social Security’s national toll-free number waited an average of 39 minutes this summer for someone to answer. That’s more than four times as long as two years ago and more than 10 times longer than in 2011.    

 *Note: only the person applying for benefits can legally sign the application therefore we will have your online application mailed to you. The cost of our services is $49.99.