TransUnion is one of three major credit reporting agencies that provides credit checks. All consumers are eligible for one free credit report through TransUnion, available at their website www.transunion.com. Transunion is currently offering free weekly reports online.

The Financial Assistance Division is responsible for the delivery of temporary assistance, Medicaid, food stamps and day care and for ensuring that only persons eligible for public assistance services are provided such aid. This division also includes employment, domestic violence and managed health care services., Financial Assistance services are provided in the form of cash, rent, utilities, transportation, food/nutrition, housing, health insurance, child care, job search support, and job skills training to those who meet eligibility requirements

Those facing an inability to cover your basic needs, JFS can help. We offer Interest Free Loans, a Summer Internship Program for college students, and a Jewish Children's Home Scholarship Program.

This area of human services encompasses Temporary Assistance, Emergency Assistance, SNAP (Supplemental Nutrition Assistance Program), Medicaid, Home Energy Assistance Program (HEAP), Child Support Enforcement and Day Care subsidies for working parents.

Certified Counselors provide free and confidential counseling to assist in solutions to budgeting, credit and debt problems. Debt repayment programs are available to assist clients if appropriate. We also provide housing counseling, pre-filing bankruptcy counseling, pre-discharge bankruptcy education and credit report services.

The Housing Council Foreclosure Prevention Counseling Programs assist homeowners who are behind or having difficulties in making their mortgage payments. We create the best action plan suitable for each individual client, which is provided at the end of the appointment

We provide training to individuals that will assist them to be independent in their daily living. We also provide social and cultural skills enrichment programs.

NFCC provides confidential and professional financial counseling along with budget counseling and education, debt management plans, counseling referral services, financial literacy courses, bankruptcy counseling and education, and house counseling.

Financial Literacy Training

CEO offers referrals to free financial education in the area.

Our partners and area resources offer Financial Literacy Training available to all customers who are looking for support with:

•Income and Budgeting: Teaching you budget planning and money-saving resources

•Basic Banking: Educating you about banking services

•Credit Review: Helping you access and review your credit report

•Credit Repair/Maintenance: Working with you to repair and maintain your credit

•Savings: Teaching you how to plan for retirement, manage investments and build emergency savings

•Avoiding Scams: Educating you on existing scams and providing strategies to avoid them

•Making Major Purchases: Helping you plan and save for major purchases such as a vehicle or a home

•Building Wealth: Coaching you on money-saving and money-making habits that will help you build wealth

•Taxes: On site tax preparation of basic tax returns

CEO can also provide career development training and connect you with other short-term resources like:

•SNAP benefits

•WIC nutrition and breastfeeding support

•CEO’s Food Pantry

•And more!

Contact Us:

If you are interested in a referral, or if you have any questions, please contact:

Renata Gwozdz, Community Services Manager

Phone: (518) 272-6012 Ext. 242

Bankruptcy is not for everyone, but for those who need a fresh start, declaring bankruptcy is an option. CCCS of Rochester offers bankruptcy counseling and a complete line of credit counseling services. Our nationally certified credit counselors can help you weigh all of the pros and cons.