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In this section, find answers to common questions about finances and a list of additional resources to help you access affordable health care, free tax preparation, and much more. If you don’t find your question below, or you need additional resources, call 2-1-1.

ANSWERS TO COMMON FINANCIAL QUESTIONS
A bank told me I am on ChexSystems. What does this mean and how do I get a copy of my ChexSystems report?
I have no idea what my credit is like. Where can I get a copy of my credit report?
I think my identity has been stolen. Where can I find help with identity theft?
I am having trouble paying my bills; how can I reduce my debt?
I have a mortgage and now I am worried about being foreclosed; who can I call?
I am a Mexican citizen and I don't have a California driver's license. How do I get a Mexican Matricula card?

ADDITIONAL RESOURCES
Free Tax Preparation
Help with Utility Bills

A bank told me I am on ChexSystems. What does this mean and how do I get a copy of my ChexSystems report?
A copy of your ChexSystems report can help you understand why you have been denied opening a bank account. If you have been denied in the past 60 days because of ChexSystems, you can access your report online. Otherwise you can write to ChexSystems, Inc. to send you your report. Click here to access your report.

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I have no idea what my credit is like. Where can I get a copy of my credit report?
You are entitled to one free credit report from each of the three credit bureaus (Transunion, Experion, and Equifax) every year. You can request and view your report online. Click here to view your report.

The Federal Reserve Bank has published a pamphlet explaining your credit report, why your credit score is important, and how to use your report. Click here to view this tool.

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I think my identity has been stolen. Where can I find help with identity theft?
The Federal Trade Commission provides an entire Web site about identity theft, including how to prevent identity theft and how to recover your identity if it has been stolen. Click here to visit the Federal Trade Commission’s Web site “Fighting Back Against Identity Theft.”

The Federal Reserve Bank has also published a guide on “How to Establish, Use, and Protect your Credit.” Click here to view the guide.

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I am having trouble paying my bills; how can I reduce my debt?
In the Fresno area, you can call the Consumer Credit Counseling Service of San Francisco (CCCSSF), a nonprofit financial resource center that offers tools to help you set and achieve financial goals. Click here to visit their Web site.

If your goal is to eliminate or manage your debt, CCCSSF also offers free, confidential consultations to help you achieve this goal. Click here to visit the CCCSSF Web site. Or call (800) 777-PLAN Monday through Thursday between 8 A.M. and 6 P.M. (Pacific Time), or Friday from 8 A.M. to 5 P.M.

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I have a mortgage and now I am worried about being foreclosed; who can I call?
You are not alone. Call the National Foreclosure Prevention Hotline: (888) 995-HOPE where your call will be answered by a homeownership counselor who can understand your situation and help with your next steps. You can also click here to visit their Web site.

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I am a Mexican citizen and I don’t have a California driver’s license. How do I get a Mexican Matricula card?
To apply for a Matricula card from the Fresno Mexican Consulate office, you must make an appointment with the Consulate. Call the Mexican Consulate office at (559) 233-3065 for more information.

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ADDITIONAL RESOURCES

Use this list of resources to get help reducing your everyday expenses, claim all of the credits and benefits you are owed, and start building assets for the future.

Free Tax Preparation
United Way of Fresno County’s VITA/EITC Volunteer Program provides no cost tax preparation services for low to moderate income families.

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Help with Utility Bills
You may be eligible for help with your gas and electric bill. For more information, call PG&E at 1 (866) 743-2273, or click here to visit their Web site.

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