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How to build your credit How to build s I credit using ITIN or SSN Several tools can help you establish a credit history: If your goal is to get a credit card, you can start with a secured credit card or co-signed card, or ask to be an authorized user on someone else's card. If you want to build credit without a credit card, you can try a credit builder loan, secured loan, or co-signed loan. There are also ways to use rent, phone, and utility payments to build credit. Some of these ways are free, others carry a fee. ​ Here are some ways to build credit and how to use them to earn one.good score 1. Get a secure card 2. Get a credit building product or secured loan 3. Use a co-signer 4. Become an Authorized User 5. Get credit for the bills you pay 6. Practice good credit habits 7. Check your credit scores and reports ​ Get a credit card If you're building your credit score from scratch, you'll likely need to start with asecure credit card . A secure card is backed by a cash deposit you make in advance; the deposit amount is usually the same as your credit limit. The minimum and maximum amount you can deposit varies by card. Many cards require a minimum deposit of $200. ​ You'll use the card like any other credit card: buy things, make a payment on or before your due date, incur interest if you don't pay your balance in full. You will get your deposit back when you close the account. ​ Secured credit cards are not meant to be used forever. The purpose of a secured card is to build your credit enough to qualify for an unsecured card - a no deposit card with better benefits. Choose a secure card with a low annual fee and make sure it reports payment details to all three credit bureaus, Equifax, Experian and TransUnion. Your credit score is built using information gathered from your credit reports; Cards that report to all three agencies allow you to build a more comprehensive credit history. Practice these good credit habits to build your score. The percentages that affect your punctuation they are : ​ 1. Payment history (35%) refers to payments you've made on credit cards and loans in the past. Your credit score will take into account the speed and amount of repayment on all the lines of credit you've taken out in the past to find the average. 2. Amount Due (30%) The amount of your debt accounts for a large component of calculating your score. For example, does your credit card remain maxed out or are you constantly paying? 3. Length of credit history (15%) The credit score will also take into account how long you've been building credit. If you start building credit responsibly when you're a student, it will reflect positively on your credit score. The sooner you start building your credit, the better. 4. New credit (10%) Opening many new accounts in a short period of time suggests that you need additional forms of credit to shop. Using a few sources of credit wisely is better than having a large number that you can't handle or are unnecessary. 5. Types of credit in use (10%) The different types of credit you have will be factored into your score, such as credit cards, loans, and store cards. Having different forms of credit and using them responsibly can be beneficial in demonstrating how you manage your money in different areas. ​ ​ Check your credit scores and reports A credit report is a record of how you've used credit in the past. Your credit scores predict how you will handle credit in the future, using the information on your credit reports. You'll want to monitor both to watch for mistakes and to see your credit-building efforts pay off. ​ Request your credit reports and check each one for errors and discrepancies. Until December 2023, you can check your reports for free on a weekly basisusing AnnualCreditReport.com . Dispute any credit report errors you find that could be lowering your scores. ​ See how scores are considered: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For information on cards that accept the ITIN betweenhere . ​

FAMILY PLANNING Family Planning Programs are government-funded to provide the following low-cost or no-cost services to low-income MA residents: ​ preconception care Counseling and education on sexual communication and healthy relationships, reproductive life planning, reproductive anatomy and physiology, fertility and all of the following services provided Complete gynecological and breast exams Cervical cancer screening and follow-up Diagnosis and treatment of sexually transmitted diseases emergency contraception Birth control Pregnancy test and options counseling Follow-up and referral for identified medical problems HIV counseling and testing, on-site at some agencies and by referral at others HPV and other vaccines, on-site at some agencies and by referral at another ​ ​ Click here for a list of agencies by region that provide services in your area! ​ here on this site you'll find information for any topic related to family planning such as: reproductive health, screenings, abortion, birth control, healthy sex tips and much more. Simply choose your topic and enter your zip code for a list of agencies serving your area. ​ ​ ​ ​

NATIONAL GRID Read More National Grid will be there offering discounts, payment plans and other assistance on your electric and gas bill. ​ If you use any public benefit such as WIC, SNAP, MassHealth or others, you can be eligible for discounts of up to 32% on the National Grid electric bill, and 25% on the gas bill. You may also be eligible for a discounted payment plan, and if you pay on time for 12 months they can forgive the rest of your debt. ​ ​ Bring to the event: -Your bill -Identification -Card for any public benefit you receive ​ ​ ​ ​ CITIZENSHIP

HERE YOU GO FIND INFORMATION FOR VARIOUS TOPICS. KIDS * How to apply or transfer school + INFO *How to register for daycare + INFO * Early intervention + INFO * Health insurance + INFO * YMCA fee monthly reduced + INFO * Free or reduced-price lunch at school + INFO * IEP for children with special needs + INFO * WIC Food free up to 5 years + INFO * SNAP - Monthly food assistance + INFO * Health emergency + INFO * Electricity bill discounts for families with babies + INFO TRANSPORT * Where to buy a car and how (Video: Talk to a dealer) + INFO * Where and how to get auto insurance (Video: Talk to an insurance agent) + INFO * Difference between regular insurance and commercial insurance (Video: Talk to a dealer) + INFO * If buying a car from someone how to register and transfer title + INFO * How to sell your car + INFO * Services offered at the DMV + INFO * How to get the EZ_Onde pass and how to pay fines / fines + INFO * How to create an account on the DMV website + INFO * How to take a bus and find bus routes + INFO * How to catch a train, how to book a trip + INFO * How to take a plane, how to book a trip, what documents do you need + INFO * How to take a taxi, uber, elevator, how to call and use the app + INFO * How to rent a car and what documents are needed + INFO DOMESTIC VIOLENCE / SEXUAL AGGRESSION * What to do in case of abuse + INFO * Where to get help - How to call or text 911 + INFO * Security planning, list of important documents and things to have on hand + INFO * What services are offered for victims of DV + INFO * What is the role of the public prosecutor and the victim's witness attorney + INFO * What is the role of the police and all other people involved in a criminal case + INFO * How to apply for Victim Compensation + INFO * How to get legal help + INFO SUBSTANCE ABUSE * Section 35 + INFO * Services available (Video: Talk to someone at SSTAR) + INFO * What is addiction + INFO * How to help a family member + INFO MENTAL HEALTH * Section 12 + INFO * Where and how to get help + INFO HUMAN RIGHTS / IMMIGRANT RIGHTS *Laws/Laws/Laws of the Senior Citizens + INFO * If the police come to your house + INFO * If ICE comes to your house + INFO * If questioned in public + INFO * If the police arrest you + INFO * Housing laws + INFO * Consulate + INFO SEE TOO: technology You may need... *How to change passwords *How to check if Whatsapp is connected to the computer, learn more. + INFO Tax/Company You may need... *How to apply for ITIN *How to apply for a contractor license, learn more. + INFO city Hall You may need... *What services are offered *Where to file complaints about water, heat, etc., learn more. + INFO finance You may need... *How to open a bank account *How to use a debit card, learn more. + INFO Police You may need... *What happens if you go to the station to do a BO. If the police are called and you, as the victim, are arrested, find out more. + INFO Funeral You may need... *How to get funeral assistance *MA victims comp if a victim of crime + INFO House You may need... *How to connect electricity, oil, internet Section 8 -Where to find free furniture, know more. + INFO Cut You may need... *Restriction order process *Harassment order, learn more *If someone owes you money. + INFO Pregnancy You may need... *Health insurance available *Antenatal care *WIC learn more. + INFO

National Domestic Violence Hotline The National Domestic Violence Hotline offers 24/7 safety assistance and planning. 1-800-799-SEGURO (7233) TTY 1-800-787-3224 If you can't speak safely, you can chat online

Christmas 2023 Campaign NATIONS UNITED RESOURCE FAIR June 24th from 9am-1pm at the Timao Center 371 Bay St. Fall River MA Sponsorship: School Finder Helpline (800) 208-2242 Citizenship DACA TPS Deferred Action for Childhood Arrivals Temporary Protected Status Individual Tax Identification Number Application ITIN Translation Portuguese and Spanish Consular Services Application and appointments New England Community Center School Department Health National Grid Bank account Photos Discounts, payment plans, and more Agencies Enrolling children in kindergarten Consultations, vaccines and more Open checking and savings account We will post photos of the event on June 25th all participants of the day

Rental Assistance If you need help with rent or paying your mortgage, MA offers several assistance programs, one of which is NeighborWorks Housing Solutions. If you have a passport you can apply here. ​ In this program, the accepted documentation is: There are four categories of documentation: ID for head of household: This document must include the full name of the head of household and date of birth. Examples include a state-issued driver's license, birth certificate, or passport. No photo needed Expired IDs will be accepted Proof of Current Housing This includes a lease agreement, lease agreement or um lease form at will . You can work with your landlord to create a simple lease agreement, even if you don't currently have one in place. A tenancy agreement is an agreement between a landlord and a tenant that specifies the terms and conditions of the lessee's temporary possession of the property, space or room, usually for a short period of time, which automatically renews unless the lessee or landlord terminates by giving written notice. Housing crisis check (applicants must demonstrate that they are at risk of becoming homeless), may include: Expired rent notice Judicial subpoenas notice to leave eviction notice Host letter (if folded) Proof of Income ALL family members must prove income eligibility in ONE of the following ways Assumed Eligibility: Families receiving benefits from the Department of Transitional Assistance (DTA) or most MassHealth plans (verified online) are considered eligible and do not need to submit documentation. OR Benefit Letters: families can demonstrate income eligibility with a letter or form dated 1st January 1st Tax Year , or later, for one of the following benefit programs: Public housing (state or federal) Housing Choice Vouchers (Section 8) State housing vouchers: MRVP (Massachusetts Rental Voucher Program), AHVP (Alternative Housing Voucher Program), DMH (Department of Mental Health) or DDS (Department of Developmental Services) housing vouchers LIHEAP (Low Income Home Energy Assistance Program) Subsidized Day Care in Massachusetts Veterans Chapter 115 Benefits OR Annual income: households can qualify based on annual income by submitting their previous income tax return (Form 1040 or 1040EZ). Families who qualify based on their tax return do not need to provide proof of current monthly income. OR Self-submitted documents showing current monthly income: Monthly job income can be verified by two paychecks from the last 60 days for each job Monthly income from other sources can be verified by the most recent benefit letters (social security, child support, unemployment, etc.) For more information enterhere . Another state program includes Public Housing. To apply for public housing with state aid, you must use the Common Housing Application for Massachusetts Public Housing (CHAMP). You can apply using CHAMP online at thissite o u in person by filling out a form. Online and paper entries are available in Portuguesehere . ​ If you have a disability, you have the right to request reasonable accommodation during the application process. To do this, contact them. Apply Online: If you think you have applied for state-assisted public housing before, you can search your application _cc7819 -5cde-3194-bb3b-136bad5cf58d_ at thissite. If you have never applied for state-assisted public housing before, you can create a new account online. Using an online account will allow you to make changes to your application in real time and allow a Local Housing Authority to contact you directly if they need to request additional information. ​When applying online, pay close attention to sections marked with an asterisk (*). If these questions are left blank, your application will be incomplete and will not be fully processed. apply on paper To download a paper CHAMP application form, please refer to the list below. For your application to be complete, you must provide all required (*) information and sign the Candidate Certification AND Fair Information Practices Act - Bill of Rights. At the end of your CHAMP application, you will need to select housing programs at each Local Housing Authority where you wish to apply. It is important to only apply for housing programs with the Local Housing Authorities where you wish to live.​ When you have completed the entire paper form, mail or hand-mail it to a Local Housing Authority. You will only need to submit your application to an LHA. Once your completed CHAMP form has been received by a Local Housing Authority, they will enter your information into the CHAMP database and you will be able to access it online using your Application Identification Number. Note: All information provided on your application will need to be verified by a Local Housing Authority before any offers of housing are made. ​ ​ In betweenhere for a list of agencies in your city that help with the application. Just enter your city at the top of the form.

WIC Nutrition Program WIC is a Nutrition for Women, Babies and Children program that provides a monthly amount for families to buy food for pregnant women and also children aged 0-5 years old. This service is offered regardless of where you are here in America. ​ To enroll in the program, just go to an agency closest to you. Here this is a list of all of them. Or get into it page and fill in the necessary information, and someone who speaks Portuguese will get back to you to make an appointment at an agency closest to you. ​ At your appointment you will need to bring the following information: Proof of current household income. Bring proof of income for everyone in your household. Examples include: A recent payslip (within 30 days) A letter from an employer If you currently receive o MassHealth / Medicaid , Supplemental Nutrition Assistance Program (SNAP) or TAFDC , you can bring proof of your participation in one of these programs as proof of family income. Proof that you live in Massachusetts. Examples include: utility bill Postmarked correspondence addressed to you at your address Rent or rent receipt Driving license or other identification card Identity proof. Take identity for everyone who will be part of the program. Examples include: Driver's license Birth certificate MassHealth Card Work or school card Passport ​ ​

How can I enter a treatment program? Talk to a specialist at 800.327.5050 to find out about types of treatment and options near you. Here are some more tips to help you get into treatment: 1. Make calls to treatment programs first thing in the morning. 2. Be persistent. Call programs back every hour or two, even if a program asks you to call them back the next day. For some services, like Withdrawal Management (formerly known as Detox), there are more people calling than available services. Don't let this put you off, keep calling until there is a vacancy for treatment. 3. Remember that Withdrawal Management may not be the starting point. The Helpline will provide you with options that suit your needs. 4. Be kind even if you are frustrated. Treatment providers are trying to help many people get into treatment. 5. Please continue to check in with Helpline staff. We may have new information about program availability. 1. Try an Opioid Emergency Care Center near you. There are three walk-in programs in the MA. You can access treatment in Massachusetts with or without health insurance

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VETERINARY ASSISTANCE We know that our animals are very important in our lives, and sometimes there are emergencies that take us by surprise! ​ For these emergencies, know that there are several non-profit (NGO) agencies that help with veterinary expenses. However, you have to contact each one and know the requirement to apply. There are some that only require an email where you explain what you are going through with your pet, and information from the veterinarian who will assist you. Others need a copy of the diagnosis, others need you to get some assistance from the government like health insurance or food benefits. You can apply for help at several agencies, and the amount they give goes straight to the clinic that is taking care of your animal. In an emergency, when you can't even make those calls before signing the papers assuming the expenses, you have the option of applying for theScratch Pay orCare Credit . Both can be used social or ITN number to apply. Be aware that Scratch pay is stricter with credit requirements. Care credit not so much. The care credit is a card that, in addition to being able to be used for your pet's care, can also be used for dentists and plastic surgeries for you. ​ Remember that if you are not approved for any card or payment method, you will have to pay a deposit in cash. In the meantime that your pet is being attended to, you can start calling and applying to these agencies and explaining the urgency of the situation. Many approve right away and get in touch with the clinic saying the amount that will contribute to the consultation. ​ It's important to know that if you think your pet ate something it shouldn't have, like poison. You can call poison control and pay $75 for a phone consultation. In this consultation, they ask everything about the product/poison that your pet ingested, and give you an answer about the risk. Sometimes the poison and the amount ingested is not toxic enough to have to take it to a veterinarian and right there it saves you from an extra expense. ​ ​ Here is a list of agencies that help financially: ​ Merwin Memorial Free Clinic for Animals, Inc. Merwin Memorial Free Clinic website Phone: 617-782-5420 542 Cambridge St. Allston, MA 02134 Merwin Memorial Free Clinic offers free office visits and outpatient veterinary services, including physical exams, vaccinations, nail clipping and free medication for sick animals. MSPCA Angell angelladmittingoffice@mspca.org Angell Animal Medical Center and Angell West can provide assistance for recently hospitalized, or soon to be hospitalized animals that meet prognostic requirements, and families that meet the organization's predetermined income guidelines. Sampson Fund for Veterinary Care Sampson Fund website 508-240-7387 Service area: Cape Cod and the Islands The Sampson Fund helps pay for medical care for severely ill or injured dogs and cats and dogs when their owners cannot afford the cost of treatment. Tufts at Tech Community Veterinary Clinic Tufts at Tech website Phone: 508-751-7670 Tufts Veterinary School, in conjunction with the Worcester Technical High School (WTHS) veterinary care program, runs a low-cost primary care clinic at WTHS on Skyline Drive in Worcester, MA. Clinical services include vaccinations, check-ups, stable urgent care, simple surgeries, diagnostics and dentistry, all at low cost. The clinic serves pet owners in the Greater Worcester area who cannot afford veterinary care. To qualify, you must have an ID card from the WIC, SNAP, the Worcester Housing Authority or other qualified Housing Authority, or a WTHS student ID, and photo ID. See Tufts at Tech Financial Policies for more information. Wellness Waggin' Wellness Waggin' website Phone: 857-350-8720 Appointments The Animal Rescue League of Boston has partnered with Action for Boston Community Development to provide low-cost pet welfare care for residents of Dorchester, Roxbury and Mattapan. A wellness package is offered which includes physical vaccinations, vaccinations against wildebeests, flea treatment and a microchip. Consultations are free. MSPCA – Angell at Nashoba Angell at Nashoba website The clinic offers services such as discounted neutering, vaccinations and basic veterinary care. The clinic has no restrictions on where people live. Monty Tech Veterinary Clinic Monty Tech Veterinary Clinic website Phone: 978-516-0888 218 State Rd. And Westminster, MA 01473 Monty Tech Veterinary Clinic provides veterinary services for dogs and cats from resource-limited families within the Monty Tech district (Ashburnham, Ashby, Athol, Barre, Fitchburg, Gardner, Harvard, Holden, Hubbardston, Lunenburg, Petersham, Phillipston, Princeton, Royalston, Sterling, Templeton, Westminster and Winchendon). The clinic offers subsidized veterinary care ranging from routine preventive consultations and affordable medications and vaccines to diagnostic and dental services. To qualify, a pet owner must: (1) Present a valid EBT card, issued by the Massachusetts Department of Transitional Assistance, and a corresponding valid ID (2) Reside in one of the cities listed above._cc781905-5cde-3194- bb3b-136bad5cf58d_ Luke & Lily Lerner Spay/Neuter Clinic Luke & Lily Lerner Spay/Neuter Clinic website Phone: 508-887-4326 200 Westboro Rd. North Grafton, MA 01536 The Luke and Lily Lerner Spay/Neuter Clinic (LSNC) provides students at the Cummings School of Veterinary Medicine at Tufts University with surgical training opportunities while serving pets in need. For low-income pet owners in the surrounding community, the clinic offers a free neuter clinic. Availability is limited and requirements must be met for a pet to be eligible. ​ Lilly Fund Grant Lilly's Fund website Offers payments of $250 for pit bull related needs. ​ Henry & Lois Foster Hospital for Small Animals Henry & Lois Foster Hospital for Small Animals website Phone: 508-839-5395 55 Willard St. N. Grafton, MA 01536 Henry and Lois Foster Small Animal Hospital is part of Tufts Cummings Veterinary Medical Center. The hospital offers 24-hour pet care 365 days a year and offers consultation, referral and emergency veterinary services for the care of dogs, cats and exotic animals. The hospital has no restrictions on where people live. PROGRAMS THAT SERVE THE WHOLE COUNTRY The Pet Fund provides financial assistance to pet owners who cannot afford the expensive surgery or medical treatment their pets need. Helps cover medical costs in addition to the usual expenses for vaccinations, vaccinations and neutering surgeries, feeding and routine veterinary care. www.thepetfund.com Red Rover helps pet owners care for their animals in life-threatening situations. www.redrover.org/redrover-relief-grants and domestic violence: www.redrover.org/redrover-relief-domestic-violence-resources Brown Dog Foundation offers pet owners in temporary financial crisis an alternative when their pet faces a treatable but life-threatening condition or illness. www.browndogfoundation.org Feline Veterinary Emergency Assistance provides financial assistance to cat owners who cannot afford veterinary services to save their companions when life-threatening illness or injury strikes. www.fveap.org Canine Cancer Awareness. Helps dog owners pay for veterinary care for dogs with cancer. www.caninecancerawareness.org The Mosby Foundation helps injured, abused and neglected dogs through financial support and public education. www.themosbyfoundation.org Magic Bullet Fund provides financial assistance for canine cancer treatment when the family is financially unable to provide treatment. www.themagicbulletfund.org God's Creatures Ministry Veterinarian Charity Fund spreads God's compassion to all animals God made according to scripture. Help with up to $50.00 towards vet bills. www.all-creatures.org Frankie's Friends provides financial assistance grants for family pets in need of emergency or specialty veterinary care whose caregivers cannot afford the full cost of care. https://www.frankiesfriends.org The Binky Foundation www.binkyfoundation.org The Onyx & Breezy Foundation www.onyxandbreezy.org Paws 4 A Cure www.paws4acure.org Pets of the Homeless provide pet food and veterinary assistance to homeless people. www.petsofthehomeless.org Rose's Fund www.rosesfund.org Harley's Hope Foundation http://www.harleys-hopefoundation.org ​ ​

Thank you for donating to our organization. Your contribution helps us fulfill our mission of educating and connecting the public to resources in all areas of basic needs, empowering personal autonomy and self-sufficiency. Donations are tax deductable! Our EIN is 87-2011134 VENMO @SOURCEHU B or 508-558-1044 ZELLE 508-558-1044 If you are donating for an event, enter the name of the event in the "purpose". Donate Here Help us make a difference! First name/Primeiro nome Last name/Ultimo nome Donation amount $ Purpose/Finalidade Email Donate Continue on the other page to finalize your donation.