The Ultimate Credit Loophole by WIZCREDITGURU

8/17/2019 The Ultimate Credit Loophole by WIZCREDITGURU

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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. Using the same name with a different set of personal information (date of

birth, address, social security number etc.)

2. 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: xxx ‐xx ‐ xxxx


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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 530

2 Alaska 574 29 New Hampshire 001 to 008

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 Hawaii 575 to 576 38 Pennsylvania 159 to 211

12 Idaho 518 to 519 39 Rhode Island 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 520

24 Mississippi 425 to 428 and 587 51 District of Columbia 577 to 579

25 Missouri 480 to 500 52 Virgin Islands 580

26

Montana

516 to

517

53

Puerto

Rico

580

to

585

27 Nebraska 505 to 508 54 Guam, Samoa, Philippine Islands 586

55 Railroad Workers Before 1964 700 to 729


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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 (original) 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


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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 original 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!


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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 Parameter Points

AGE 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 0 UNSKILLED 1

WIDOWED 0 YEARS WITH EMPLOYER

DIVORCED 0 UNDER ONE 0

DEPENDENTS ONE OR THREE 1

NO DEPENDENTS 0 FOUR TO SEVEN 2

ONE TO THREE 2 EIGHT OR OVER 3

OVER THREE 1 MONTHLY INCOME

RESIDENCE 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

PREVIOUS RESIDENCE TELEPHONE

0 TO

5 YEARS

1

LISTED IN APPLICANTS

NAME

2

6 YEARS AND UP 1 NOT LISTED IN AP'S NAME 0

MONTHLY OBLIGATIONS

0 TO $250 1

OVER $250 0


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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!


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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


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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 60670

They do minimal credit checks. They have a $2,500 minimum balance, but the interest

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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25 | P a g e

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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27 | P a g e

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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30 | P a g e

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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31 | P a g e

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


32/97

32 | P a g e

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.


KENTUCKY FINANCE CO.INC.


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


33/97

33 | P a g e

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


34/97

34 | P a g e

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


35/97

35 | P a g e

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


36/97

36 | P a g e

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


37/97

37 | P a g e

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


38/97

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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


39/97


40/97

40 | 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


41/97

41 | 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 STATE CREDIT CO. INC.

7439 N. Lamar 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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42 | P a g e

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.


HOUSEHOLD RETAIL SV.INC.IL



43/97

43 | P a g e

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


44/97

44 | 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.


45/97

45 | 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.


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46 | 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.


47/97

47 | 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


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48 | 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 LN .CO.

10829 SE 176th, Renton, WA 98055

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.


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


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

The Ultimate Credit Loophole by WIZCREDITGURU

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