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Living Better Spending Smarter

Through Living Better Spending Smarter, we’re bringing partners together so that you can have a one stop shop for your financial fitness needs.

Credit Report

Annual Credit Report 
The government-approved place to get your annual free credit report, without subscription or cost. 

Your Credit History 
A short description of what credit reports do, and what goes into them, where to get them, and how to fix mistakes. 

Building a Better Credit Report 
An in-depth look at what goes into a credit report, how to make it better, and how to fix mistakes that may be in it now. 

Sample Letter for Disputing Credit 
How can you dispute mistakes in your credit report?  Use this letter as a sample to send for disputing mistakes in your credit report. 

FTC FAQs on Credit Reports 
Federal Trade Commission questions and answers on free credit reports. 

Credit Karma 
A company that gives a free credit score. This is NOT the same as a FICO (Fair ISAAC) score, but is an approximation. It may give patrons a way to find out an IDEA of what their credit score might be.

How to Read Your Credit Report
This is a publication of the North Carolina A&T State University Extension, which may give insight into the numbers and other parts of the report. 

Organizations that will help you understand your credit report:

ONE Village Financial Opportunity Cente
2860 Lagrange Street, Toledo, OH 43608 
419.724.5640 
Serves anyone in 43604, 43608, 436011, or any households in Toledo with children present.  

Crossroads Family Resource Center 
4543 Douglas Road, Toledo, OH 43613 
419.475.3258

East Toledo Family Center 
1020 Varland Ave.  Toledo, OH 43605 
419.691.1429

CedarCreek.tv Community Care Ministry 
Contact Information by campus 
Bruce Nimmo (PB)…………… 419.661.8661 ext 154 
Jim Brosius (WTOL)………… 419.720.8661 
Luke Shortridge (WH)………… 567.246.5064 
Ben Bockert (STOL) …………419.392.7987

CedarCreek.tv Financial Counseling 
Contact brucen@cedarcreek.tv or call 419.661.8661 for more information.  

Tools & Apps

Colleges, Careers, and Education Funding 

TLCPL Teen page 
Great website with information on college scholarships and student aid. 

Ohio Higher Education—Paying for college
What do you need to know about college costs and financial aid in Ohio? Find out here!

Getting relief from your college loans
Learn the latest on student loan forgiveness, deferments, and other help. 

Picking and calculating your best student loan plan 
Find the best student aid package of all the colleges you are interested in. 

How much student aid can you receive?
Estimate the student aid you are eligible to receive.

Saving, Spending, and Loan Calculators 

How long will my retirement savings last?  

How long will it take me to pay off a loan?  

How fast can you save? Savings calculator 

Social Security Retirement Planner 

How much does that car REALLY cost? 

How much house can I afford?


Great Apps for Money 

Credit Karma
Credit Karma is an app with an online website that can help you manage and track your credit report. Available for IOS and Android. 

Expensify 
Expensify is an app with an online presence that allows you to track your expense receipts. Available for IOS and Android. 

Paypal 
Paypal mobile allows you to pay for items right from your phone. More places are allowing you to use Paypal as your digital wallet. Available for iOS and Android. 

Spendee
Spendee is an app that allows you to track where the money goes by making wallets. It also allows you to analyze your expenses. Available for IOS and Android. 

Moneywise 
Moneywise is a money management app that allows you to track and analyze spending and expense on the go. Available for IOS and Android. 

Mint.com 
Mint.com is an app with an online presence that takes the information from all of your financial institutions and analyzes and tracks your savings and expenses. Available for IOS and Android.

Get Help

Get Help

The Business Technology Department at Main Library (419.259.5209) offers books, help finding online material, and refers people to community resources. The organizations below are throughout Toledo and Lucas County and offer free help ranging from home ownership, debt, credit building, and personal finance.

Adelante Latino Resource Center
520 Broadway Street
Toledo, OH 43604
419.244.8440
Helps consumers become financially literate, build wealth and achieve their dream of home ownership.

City of Toledo Department of Neighborhoods
One Government Center,
Suite 1800 Toledo, OH 43604
Phone: 419.245.1400
Neighborhood Stabilization Home ownership Program, Owner-Occupied Home Rehabilitation, home purchase down payment assistance, and lead abatement assistance.

Catholic Charities Diocese of Toledo
1933 Spielbusch
Ave. Toledo, OH 43604
Phone: 419.244.6711, ext. 222
Financial counseling for those who seek financial aid, financial education classes, and financial toolkit events.

Crossroads Family Resource Center
4543 Douglas Road (Reformation Lutheran Church)
Toledo, OH 43613
419.475.3258
Financial coaching and financial education classes. Resource of Lutheran Social Services.

NeighborWorks—Toledo Region
704 – 2nd Street Toledo, OH 43605-2113
419.691.2900
Home buying, home improvement, financial management training, home weatherization, and foreclosure prevention.

Northwest Ohio Development Agency
432 N. Superior Street Toledo, OH
419.243.3734
Financial counseling, predatory lending, foreclosure prevention, home buying, and individual development accounts.

OSU Extension, Lucas County
One Government Center, Suite 550,
Toledo, OH 43604-2245
Phone: 419.213.4254 FAX: 419.213.4241
Information and classes on family nutrition, budgeting and household management.

ONE Village Financial Opportunity Center
2860 Lagrange Street
Toledo, OH 43608
419.724.5640
Financial coaching for people in the 43604, 43608 and 43611 zip codes, or any household in Lucas County with children. Offers job coaching, income support, Ohio Benefits Bank counseling, and community education classes.

Pathway
505 Hamilton Street Toledo, OH 43604
419 2427304
Financial education classes for low income Lucas County residents.

East Toledo Family Center
Financial Stability Advocacy
419.691.1429 x214
Trained financial stability advocates can help you find extra money in your budget, find ways to reduce your bills, develop a plan to meet your financial goals, avoid home foreclosure, and increase your knowledge of money.

United Way of Northwest Ohio Income Services
211 or 1.800.650.HELP
Emergency financial services, financial coaching and education.

Submit a report or complaint 

This section will help you search for, or file, a complaint at the local, state, and federal levels. This is an important piece for any business as it shows credibility or a lack of credibility.

To search for consumer complaints

To file a consumer complaint on the state level

How to file a complaint about an insurance company in Ohio

To file a complaint with the Federal Trade Commission
They accept various consumer complaints involving debt collection agencies, do not call violations, telemarketing, work at home scams, credit, and computer privacy violations.

To file a complaint about a financial product:
This includes federal student loans, consumer loans, mortgages, credit cards, and debt collection.

Report identity theft

Ohio Attorney General Self-Help ID Theft Form

To Enter the Do Not Call registry

Investments

Investment Tools

Valueline
Rating of stocks and industry commentary, available at your home or office.

Morningstar
Your one-stop source on stocks and mutual funds research. Create your own portfolio with screening software. (Library card and PIN number needed for sign-in outside library building) 

Market Data
This free product of FINRA and Morningstar, allows you to access information on stock market indexes, individual stocks, and other market news. 

Yahoo Finance
Stock prices and historical prices, along with news about public companies.

FINRA Fund Analyzer
Check the true costs and profits of mutual funds before you invest.

Terminology and Investor Education

Investopedia Dictionary
Investopedia’s dictionary of financial terms.

Investor.gov
A glossary of finance and investment by the Securities and Exchange Commission. 

Investment Basics
Need more information on buying stocks, bonds, and other investments? Learn the pro’s and con’s of each type of investment from the Securities and Exchange Commission. 

FINRA investment Modules
Great long articles on choosing the right investments, types of investments, retirement investments, and more.

Consumer Research

FINRA Broker Check
Find out about a broker’s license and record of disciplinary actions before investing. 

SEC Investment Advisor Search
Find a certified investment in your area, or find out more about a particular agent. 

FINRA Foundation Scam Meter
Are you someone who runs a risk of fraud? Find out at the FINRA Foundation Scam Meter

Bankrate Safe and Sound
Offers ratings on the financial soundness of banks and larger credit unions. 

Research a Credit Union
Check the National Credit Union Administration’s database to find a specific credit union.

Research Tools

Fund Analyzer by FINRA

The Fund Analyzer offers information and analysis on over 18,000 mutual funds, Exchange Traded Funds (ETFs), and Exchange Traded Notes (ETNs). It estimates the value of the funds and allows you to compare up to three funds. Note: you must accept the terms of use to use the tool.

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Investment Education

Provides the knowledge, skills, and tools for financial success created by the FINRA Foundation, the Financial Industry Regulatory Authority.

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Morningstar

Find a stock or a fund to meet your needs, research current or prospective holdings, or see how your investments fit together.

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Plunkett Research Online

Offers business intelligence, industry trends, market research, stats, leads, plus company contacts for over 30 different major industries and tips for job seekers.

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Reference USA

Contains detailed information on millions of companies located in the US and Canada as well as international companies in OneSource. It also includes job postings, US and Canadian White Pages, healthcare providers, and information on homeowners and lifestyles.

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Weiss Financial Rating Series

Find the safest bank or credit union in the area, compare insurance companies, select the best-performing stocks and mutual funds. Research tools to help consumers avoid unnecessary financial risks.

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