The Ultimate Credit Loophole

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
LISTED IN APPLICANTS
0 TO 5 YEARS 1 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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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

26 | 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

27 | P a g e

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

28 | P a g e

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

29 | 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

30 | 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

31 | 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

32 | 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

33 | 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

34 | 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

35 | 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

36 | 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

37 | P a g e

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

38 | P a g e

COMMERCIAL CREDIT LOANS INC.DE

UNION TR BANCORP
Baltimore & St. Paul Sts., Baltimore, MD 21203

LANDMARK FINANCIAL SERVICES
8605 Cameron St., Silver Spring. MD 20910

COMMUNITY FINANCE CO.
1169 E. Napiers, Benlon Harbor. MI 49022

FOREMOST CORP.OF AMERICA
5800 Foremost Dr., Grand Rapid, MI 49506

WYLIE WALTER C. & Co
557 Ashmum St., Salt St. Maria, MI 49783

GREAT SOUTH FIN.CO.
306 Evane St., Greenville, NC 27834

TIME INVESTMENT CORP.
201 E. Arlington, Greenville, NC 27834

WELCOME FINANCE CO.INC.
112 W. Ceatet St., Mebane, NC 27302

COMMERCIAL DISCOUNT CORP.
534 S. Scales St., Reidiville, NC 27320

CONFIDENTIAL LN. & FINANCE
127 W. Commerce St., Whiteville, NC 28472

PROTECTIVE LOAN CORP.
2 Bares Commons, Beras, OH 44017

PREFERRED CREDIT CORP.
149‐151 W. Fourth St., Cincinnati, OH 45201

SUNAMERICA CORP.
39 | 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
40 | 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

41 | 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

42 | 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
43 | 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.
44 | 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.
45 | 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.
46 | 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
47 | 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

48 | P a g e

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:
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Low Documentation Loan Program:
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Small Business Centers: www.sba.gov/services
Small Business Investment Company (SBIC)
Start up money: www.sba/gov/aboutsba/sbaprograms/inv/index.html

49 | P a g e

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
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Free house repair:
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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
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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
15 South Munn Avenue, East Orange, NJ 07018

TRW Foundation
23555 Euclid Avenue, Cleveland, OH 44117

United States Steel Foundation
600 Grant Street, Pittsburgh, PA 15230

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Willian K. Warren Foundation
P.O. Box 45370, Tulsa, OK 74145

Robert A. Welch Foundation
2010 Bank of the SW Bidg., Houston, TX 77002

Western Electric Fund
195 Broadway, New York, NY 10007

Lettie Pate Whitehead Foundation
230 Peachtree Street, NW, Atlanta, GA 30303

Woods Charitable Fund
Inc., 332 South Michigan Avenue, Chicago, IL 60604

The Xerox Fund
Xerox Corporation, Stanford, CT 069
MORE FOUNDATIONS, GRANTS AND OTHER FREE MONEY

Allegheny Foundation
Box 268, Pillsburgh, PA 15230
AID to FAMILIES WITH DEPENDENT CHILDREN
Payments are to families who need assistance for their children. US Dept. of
Health, Education & Welfare, Wash. DC 20201 is in charge of the program. Refer
to "Blue pages" local Phone Directory for local office to apply.
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American Standard Foundation
40 W 40th St., NYC 10018

AFL‐CIO College Merit Scholarship Program
AFL‐CIO Dept. of Education; 815 16th St. NW, Wash. DC 20006. A limited number
of scholarships of about $6000 awarded each year.

Annenberg Fund
Box 750, 250 King of Prussia Rd., Penna, PA 19088

American Baptist Board of Education & Publication
Division of Christian Higher Learning, Valley Forge, PA 19481. High School
members who belong to American Baptist Churches can be nominated by their
Pastor for a College scholarship. Must show financial need; Scholarships from
$500 to $3000 awarded annually.

Atkinson Foundation
10 W Orange Ave., S San Francisco, CA 94080

Balustein Foundation
Balustein Bldg., Baltimore, MD 21203

Altantic‐Richfield Foundation
515 S Flower St., LA, CA 90071

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Barker Foundation, Inc.
Box 328, Nashua, NH 03060

Barnes Foundation, Inc.
18 Main St., Bristol, CT 06010

Bernstein Foundation
1369, Connecticut Ave. NW, Wash. DC 20036 (Preference to Jews).

Biddle (Mary Duke) Foundation
30 Rockefeller Plaza, Suite 4300 NYC 10020

Brid Companies Charitable Foundation
Washington St., E Walpole MA 02032

Brooklyn Benevolent Society
84 Amity St., Brooklyn, NY 11201 Aid to orphan children; Also provides clothing
and fuel to needy folks in Brooklyn.

Broyhill Foundation
Box 700, Lenoir, NC 28645. Student loans and grants to deserving, needy children
wanting to go to college.

Burlington‐Northern Foundation
176 E 5th., St. Paul, MN 55101
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Carnegie Crop. of New York
437 Madison Ave., NYC 10022

Carter(Amos) Foundation
400 W 7th , Box 1036, Ft. Worth, TX 76101

CBS Foundation
51 W 52nd St., NYC 10021. Grants to attend Columbia University for those
interested in radio & TV earners.

Champion Foundation, Box 637
Providence, RI 02901

Chicago Community Trust
208 S LaSalle St., Chicago, IL 60604

Clark Foundation
30 Wall St., NYC 10005

Chambers Foundation
300 St. Paul Place, Baltimore, MD 21202

Clayton Fund
Box 2538, Houston, TX 77001

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Cleveland Foundation
700 National City Blvd., Cleveland, OH 44114

Collins Foundation
909 Terminal Sales Bldg., Portland, OR 97205

Columbus Foundation
17 S High St., Suit 707, Columbus OH 43215

Caffarelli Educational Trust
Drawer 1600, San Antonio, TX 78206

Commonwealth Fund
1 E 75th St., NYC 10002

Cooke Foundation Ltd.
c/o Hawaiian Trust Co. Ltd., Box 3170, Honolulu, HI 96802

Cogswell Benevolent Trust
875 Elm St., Manchester, NH 03101

Cullen Foundation
Box 1600, Houston, TX 77001

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Danforth Foundation
222 S Central Ave., St Louis, MO 63105

Dayton Foundation
1395 Winters Bank Tower, Dayton, ON 63105

Dodge (Geraldine) Foundation
95 Madison Ave., Box 1239R, Morristown, NJ 07960

Driscoll Foundation
2100 First National Bank Bldg., St. Paul, MN 55701

Dougherty Foundation
Box 640, Beeville, TX 78102

Duke Endowment
200 S Tyron St., 7th Floor, Charlotte, NC 27707

Dupler Foundation
Inc., 907 Desert Bldg., SLC, UT 84111

Dekay Foundation
c/o Cummings & Lockwood, 1 Atlantic St., Stamford, CT 06904. Funds for men and
women of refined culture who may be elderly or disabled. Disaster Relief thru
Mennonite Disaster Service A relief organization which helps victims of natural
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disasters (flood, hurricanes, storms, etc.); they assist in cleanup ;repair and long‐
term reconstruction for senior citizens, handicapped, widowed, low income, etc.

MENNONITE DISASTER SERVICE
21 S 12th St., Akron, PA 17501

Dempster Graduate Fellowships
United Methodist Church, Dept. of Ministry, Division of Higher Education, Box
871, Nashville, TN 37302. For Men, Women, planning to teach in seminars or
teach religion in College up to $4000 annual available.

Eastman Kodak Charitable Trust.
c/o Lincoln First Bank of Rochester, Box 1412, Rochester, NY 14603

Echlin Foundation
Echin Rd., Branford, CT 06405 (Philanthropy)

Edison (chares) Fund
101 S Harrison St., E Orange, NJ 07018

ENCO Oil Education Foundation
800 Bell Ave., Houston, TX 77002

Ettigner Foundation
420 Lexington Ave., Houston, NYC 10017
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Exxon Educational Fund
111 W 49th St., NYC 10020

Fels (Sam'l) Fund
2 Penn Center Plaza, Rm.620,Phila., PA 19102

Field Foundation
100 E 85th St., NYC 10028
Family Location & Legal Service of Jewish Family Service 33 W 60th St., NYC
10023. Free Legal Services to needy persons and to help locate missing members
of poor families. Farm Workers Grants Migrant families given free Service;
Relocation; Education and Health Services. Write to: Office of National Programs,
Employment and Training

Administration, Dept. of Labor, Wash DC 20210
FMC Foundation,1105 Coleman Ave.
San Jose, CA 95110

Fitzgerald Foundation
Round Hill Road, Greenwich, Conn.06833

Ford (Edw F) Foundation
84 Nassau At., Princeton, N.J. 08540

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Foundation Fund for R search
100 York St., New Haven, Conn. 06511 (educational loans, grants).

Fleet Foundation
Balboa Park, San Diego, Calif. 92101 (Low interest loans and scholarships for
needy students; college level; limited to San Diego Co.)

Forbes Fund
P.O. Box 1581, Corpus Christi, Tex. 78403

Fund for N.J.
57 Washington St., E. Orange, N.J. 07017

Gannett Foundation
Lincoln Tower, Rochester, N.Y. 14604

Gates Foundation
155 So. Madison, Suite 332 Denver, Colo. 80209

Gebbie Foundation
Hotel Jamestown Bldg. Room 308, Jamestown, N.K. 14701
Graham Foundation for Advanced Studies in Fine Arts 4 West Burton Place,
Chicago, Ill 60610. Grant as high as $30,000 for making contribution in fine arts.

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Gilmore Foundation
c/o American Nat'l Bank & Trust, 136 East Michigan Ave., Kalamazoo, Mich 49006.
Grant to low income persons in the Kalamazoo area: from $99 to $3100.

Grass Foundation
101 Old Colony Ave., Quincy, Mass 02169 Grants for study of marine biology.

Good Samaritan
Inc., 9034 Dupont Bldg., Wilmington, Del. 19898 (special interest causes)
Grossberg Foundation 707 H. St., N.W. Washington D.C. 2000 (aid to those
financially distressed)

Harris Bank Foundation
III W. Monroe St., Chicago, Ill 60690

Hatterschedit Foundation
Inc., 302 Capitod Bldg., Aberdeen, SO. Dak.57401 (Philanthropy)

Hartford (John A) Foundation
405 Lexington Ave, 55th floor; New York City 10174

Hearst Foundation
888‐7th Ave., NYC 10106 (applicants from West of Mississippi River mail
to c/o Chas. L. Gould, 690 Market St., Suite 502, San Francisco Calif.94104

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Herrick Foundation
2500 Detroit Bank & Trust Bldg., Detroit, Mich. 48226

Hillcrest Foundation
P.O. Box 6031, Dallas, Texas 75222

Hillman Foundation
2000 Grant Bldg., Pittsburgh, Pa. 15219

Honeywell Foundation
275 W. Market St., P.O. 432. Wabash, Ind. 46992

Honeywell Fund
Honeywell Plaza, Minneapolis, Minn 55408

George Harrington Trust
c/o John G. Cornish, 106 Clyde St Chestnut Hill, Mass. 02167.

Assistances to sufferers from nervous disorders.
Houston Endowment
P.O. Box 52338, Houston, TX. 77052

INA Foundation
1600 Arch St., Phila. Pa. 19101

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Independent Student Aid
Assoc. P.O. Box 107,Kannapolis, North Carolina 28081

Indianapolis Foundation
615 No. Alabama St., Indianapolis, Indiana 46204

Ittleson Foundation
660 Madison Ave., NYC 10021

IM Foundation
60th E.42nd St., New York City 10165

Jensen Foundation
2427 Londonberry Rd .,Ann Arbor, Mich 48104

Joycen Foundation
135 So. LaSalle St., Suits 2252, Chicago, Ill. 60603

Judd Charitable Donations Trust
195 Grand St., Waterbury, Conn. 06720 (special interest causes).

Kasier (Henry J.) Family Foundation
525 Middlefield Rd., Suite 200, Menlo Park, Calir. 94025

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Kantzler Foundation
900 Center Ave., Bay City, Mich 48706

Kaplan (J.M.) Fund
2 Fast 34th St., NYC 10016

Kellogg (W.K.) Foundation
400 No. Ave., Battle Creek, Mich. 49016

Kerr Foundation
1208 Fidelity Plaza, Oklahoma City, Okla. 73102

Kimberly Clark Foundation
No. Lake St., Neenah, WI 54956

Kiplinger Foundation
1729 H. St., N.W., Washington, D.C. 20006

Knapp Foundation
P.O. Box 699, Gastonia, No. Car. 28053

Knight Foundation
One Cascade Plaza, Akron, Ohio 44308

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Kresge Foundation
2401 W. Beaver Rd., Troy, MI. 48084

Kroc Foundation
P.O. Box 547, Santa Ynez, Calif 93460

Leslie Fund
3600 W. Lake Ave., Glenview, Ill. 60025

Loyola Foundation
308 C. St., N.E. Washington, D.C., 20002

Lazarus Foundation
Inc., 420 Market St., Wilmington, Del. 19801. (Philantropy)

Macy (Josiah) Foundation
One Rockefeller Plaza, NYC 10020

McGregor Fund
2026 Commonwealth Bldg., Detriot, Mich 48226

McInery Foundation
P.O. Box 2390, Honolulu, HI 96804

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Meadows Foundation
310 Meadows Bldg., Dallas, TX 75206

Mellon (Andrew) Foundation
140 E.62nd St., NYC 10021

Memorial Foundation for Jewish Culture
15 E. 26th St., New York City 10010; aid for those of Jewish Faith; Provides
scholarships and educational awards.

Maysteel Foundation
Inc 800 Horicon St., Maybille, Wisc 53050 (special interests)

Merck Co. Foundation
P.O. Box 2000, Rahway N.J.07065

Metropolitan Life Foundation
One Madison Ave., NYC. 10010

Milbank Memorial Fund
One E.75th St., NYC 10021

Mobil Foundation
150 E. 42nd St., NYC 10017

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Mulcahy Foundation
80 W. Franklin St., Tucson, Ariz .85701.

Navy Relief Society
801 N. Randolph St., Arlington VA 22303 Relief for officers and enlisted men of
the U.S. Naval Service ; also Marines and dependents of deceased officers &
personnel.

Andrew Norman Foundation
10960 Wilshire Blvd., Suite 820 Los Angeles Calif. 90024. FREE Loans for needy
minority students Calif colleges.

Needmor Fund
Ft. Industry Sq., 136 No Summit Square Tolledo Ohio 43604 New World
Foundation
100 E. 85th St., NYC 10028.

New York Foundation
369 Lexington Ave., NYC 10017

Norfolk Foundation
201 Granby Mall Bidg., Suite 406 , Norfolk , VA 23510

Norman Foundation
730 Fifth Ave., Suite 2001, NYC 10019
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Olin Foundation
C/o Lawrence W. Milas, 299 Park Ave., New York City 10017

Ottinger Foundation

Office of Education
Div of Student Services; 400 Maryland Ave., S.W., Room 4662

Washington, D.C. 20202.
Pasadena Foundation
16 No. Marengo Ave., Suite 219, Pasadena, Calif. 91101

Prange HC Company Fund
INC., 717‐31 North 8th St., Sheboygan Wisc., 53081. (Philanthropy)

Pew Memorial Trust
c/o The Glenmede Trust Co., 229 South 18th St., Phila. Pa. 19103

Phila.Foundation
1502 Two Girard Plaza, Phila. Pa., 19102

Piton Foundation
817‐17th St., Suite 710, Denver, Colo. 80112
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Polaroid Foundation
750 Main St., Cambridge, Md. 02139

Pratt & Whiney foundation
c/o Conn. Bank & Trust, 760 Main St. Hartford, Conn. (educational scholarships)

Proctor & Gamble Fund
3018 6th St., Cincinnati, Ohio 45202 or, P.O. Box 599 Cincinnati, Ohio 45201

Prudential Foundation
Prudential Plaza, 15th floor, Newark, N.J. 07101

Quaker Oats Foundation
Merchandise Mart Plaza, Chicago, Ill 60654

Research Corp.

Annie Rensselaer Memorial Fund
c/o Sherman & Sterling, 53 Wall St., NYC. 10005.
Money AID to women who have Worked for a living.

Rhode Island Foundation
15 Westminster St., Providence, R.I. 029

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Mary Lynn Richardson Fund
P.O. Box 20124, Greensboro, N.C. 27420 Money available to aged, indigent and
needy persons living in No. Carolina and all Southern states.

Rockefeller Bros. Fund
1290 Ave of the Americans, NYC 10104

Rockefeller Family Fund
1290 Ave of the Americans, Room 3450, NYC 10104

Rosenberg Foundation
210 Post St., San Francisco, Calif. 94108

Rowland Foundation
P.O. Box 13, Cambrige, MASS 02138

Schering‐Plough Foundation
Galloping Hill Road, Kenilworth, N.J. 07033

Seattle Foundation
1411 4th Ave. Bldg., Suite 1522 Seattle, Wash 98101

Self Foundation
Drawer 1017, Greenwood, S.C. 29646

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Shalan Foundation
680 Beach St., Suite 498, San Francisco, 04109

Shell Compaines Foundation
2 Shell Plaza, P.O. Box 2099, Houston, TX. 77001

Shubert Foundation
234 W. 44th St., NYC 10036

Skillman Foundation
333 W. Fort St., Suite 1350, Detroit, Mich 48226

Sloan (Alfred P.) Foundation
630‐5th Ave., NYC 101I1

Spencer Foundation
875 No. Michigan Ave., Chicago, Ill. 60611

Starr Foundation
70 Pine St., NYC 10270

Stern Fund

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Sussman (Otto) Trust
c/o Sullivan & Crowell, 48 Wall St., 19th floor, NYC 10005.
Assistance for needy persons who may have had some misfortune; Residents of
New York, N.J., Penna. Or Oklahoma can apply.

John Solem Scholarship Trust
c/o 1st Nat'l Bank, Sioux Fall, 112 So. Phillips Ave., So, Dak. 57102

Teagle Foundation

30 Rockefeller Plaza, Room 2835, New York City 10012

Tinker Foundation
645 Madison., NYC 10022

Talent Search Grants
For youths of low income families who are disadvantaged because of rural
location, and, who have academic potential. Contact, Div of Student Services,
Office of Foundation, 400 Maryland Ave., S.W. Washington, D.C. 20202

U.S. Steel Foundation
600 Grant St., Room 6284, Pittsburg, Penna. 15230

Victoria Foundation
2 Russell Terrace, Montclair, N.J, 07042
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Weigart Foundation
1200 Wilshire Blvd., Suite 305. Los Angeles, Calif. 90017

Western Electric Fund
222 Broadway, NYC 10038

Windham Foundation
P.O. Box 68, Grafton, Vt. 05146

Whitney Benefits Inc.
P.O. Box 691, Sheridan, Wyoming, 82801 Interest free loans to residents in a
number of counties in Wyoming.

Witter (Dean) Foundation
57 Post St., San Francisco, California 94104

Zellerbach Family Fund
260 Calif. St., Suite 1010 San Francisco, California 94111.

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Cash Grants available

Foundations provide with individuals and organizations with different grants, they
give out millions of dollars each year for causes that they assume to be worthy
enough. An individual or any organization has to write a proposal stating the
details of their cause. If you do not think yourself to be able to write a proposal,
you can hire accountants and lawyers to write it for you. The internet also
provides with help to writing such proposals for free.
If you are opting to write the proposal yourself then you should keep in view
some things. You should state it clearly why you want this money and where do
you plan to spend it. You need to provide all the names of the principles that are
involved in the cause. If you work for a business or run a business, then be sure to
include your annual financial reports with the proposal i.e. your balance sheet. Do
not try to fool or deceive the foundation with any financial information because it
will be thoroughly analyzed by sophisticated financiers.

Crane Fund for Widows and Children
4100 So. Kedzie Ave., Chicago IL 60632

Alfred I. Dupont Foundation
P.O. Box 1380,803 Florida National Bldg., Jacksonville, FL 32201

Cummings & Lockwood
One Altantic Street, Stamford, CT 06903
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Robert O. Law Foundation
2120 E.21st St., Fort Lauderdale, FL 33305

The David & Lucille Packard Foundation
385 Homer Ave., Palo Alto, CA 94402 (Local area residents only)

The Gleason Fund. Inc.
1000 University Ave., Rochester, NY 14607

Reade Industrial Fund
135 So. LaSalle St., Suite 1200, Chicago, IL 60603 (Illinois residents only)

Frank and Laura Smock Foundation
116 F. Berry St., Fort Wayne, IN 46802 (Indiana residents of Presbyterian faith)

Thomas Thompson Trust
4058 Prudential Center, Boston, MA 02401

The Pilgrim Foundation
1106 Main St., Room 13, Brockton, MA 02401

The Knapp Fund. Inc.
460 Park Ave., 14th Floor, New York, NY 10022 (Educational & Elderly)

Sherman & Sterling
53 Wall Street, New York, NY 10005 (women only)

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Mary Lynn Richardson Fund
P.O. Box 20124, Greensboro, NC 27420 (North Carolina and Southeastern States only)

John G. Cornish
106 Clyde St., Chestnut Hill, MA 02167 (Persons with nervous disorders)

Sullivan and Cromell
48 Wall St., 19th Floor, New York, NY 10005 (New York, New & Pennsylvania residents)

Special Assistance Programs
Financial assistance for dependents of deceased Naval personnel:
Navy Relief Society, 801 N. Randolph St., Arlington, VA 22203

Outright grants or non‐interest loans for low income families or senior citizens in rural
areas to fix up their homes ‐ Contact the nearest Farm Home Administration Office or
the U.S. Dept. of Agriculture.

Cash grants for farm workers ‐ Office of National Programs, Employment and Training
Administration, Department of Labor, Washington, DC 20210/

Financial help for needy families with dependent children – Assistance payments
Administration, U.S. Department of Health, Education, and Welfare, Washington, DC
20550

Food Stamps Program ‐ contract the Food and Nutrition Service Regional Office in your
area, or write: Director, Food Stamp Division, Food and Nutrition Service, U.S.
Department of Agriculture, Washington, DC 20250
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Financial Benefits For Education
Division of Student Services and Veteran Programs Office of Education,400 Maryland
Ave. S.W., Room 5662, Washington, DC 20202 (low income farm of rural families)
City University of New York, 535 E. 80th St., New York, NY 10021 (Applicant must be
graduate of a New York City High School)

Jewish Free Loan Association
590 No. Vermont Ave., Los Angeles, CA 90004 (Non‐secterian)
Abelhard Foundation
One E. 52nd St., New York, NY 10022 (minority)

AFL‐CIO Department of Education
815 16th St. N.W. Washington, DC 20006

John B. Lyrich Scholarship Foundation
P.O. Box 1109, Wilmington, DE 19899 (scholarships)

Central National Bank of Mattoon, Mattoon, IL 61938 (students who will attend college
in Illinois)
The Broyhill Foundation
P.O. Box 700, Lenoir, NC 28645

James and Mary Bryan Foundation
1307 Glenwood Ave., Raleigh, NC 27605

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Joseph Collins Foundation
Citicorp Center Bldg., 153rd St., New York, NY 10022 (medical students)

National Association of Letter Carriers
100 Indiana Ave. N.W., Washington, DC 20001 (children of active or retired letter
carriers)

United Methodist Church
Department of the Ministry, Division of Higher Education, P.O. Box 871,
Nashville, TN 37202 (students who intend to teach religion)

Skelly Oil Co. Foundation
P.O. Box 1650, Tulsa, OK 74102 (Children of active or former employees)

Fleet Foundation
Balboa Park, San Diego, CA 92101 (local)

ACT
2201 No. Dodge St., Iowa City, IA 52243

The Broyhill Foundation
P.O. Box 700, Lenoir, NC 28645

Ettinger Foundation
420 Lexington Ave., New York, NY 10017 (Children with learning disabilities)

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American Baptist Board of Education
Division of Christian Higher Learning, Valley Forge, PA 19481 (Baptist only)

The Youth Foundation
36 W. 44th St., New York, NY 10026 (literary, scientific and educational
fields)

Government Grants For The Arts

Media Arts Program
National Endowment for the Arts, 2401 "E" St., N.W., Washington DC 20506 (individuals
& groups to produce films)

Literature Program, National Endowment for the Arts, 2401 "E" St. N.W., Washington DC
20506 (writing)

Information Processing National Endowment for the Arts, 2401 "E" St,
N.W. Washington DC 20506 (music)

Financing For Employees Of The Government
Government Employees Corp.
Vermont and K Sts. N.W. Washington DC 20005

Government Employees Financial Corp.
P.O. Box 5555, Denver, CO 80217

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Memorial Foundation for Jewish Culture
15 E.26th St. New York, NY 10010 (Students of Jewish faith in the arts field)

Broadhurst Foundation
1701 First National Bidg. Tulsa OK 74103 (Christian Ministry)

CBS Foundation
51 W. 52nd St. New York, NY 10019 (radio & television)

Brookings Institution
722 Jackson PL. N. W., Washington DC 20006

Beinecke Foundation
Cliffdale Road, Greenwich, CT 06833

Foundations Fund for Research
100 York St., New Haven, CT 06511

Ben Selling Scholarship Loan Fund
P.O. Box 3131, Portland, OR 97208

White Scholarship Fund
73 Main St., Cooperstown, NY 13326

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Venture Capital Investors Affiliated With Major Banks
1. Bankers Trust Capital Corp.
280 Park Ave. NY 10017 (212)850‐1916

2. BancBoston Ventures Inc.
100 Fereral St.,Boston MA 02110 (617)434‐2442

3. BankAmerica Capital Corp.
555 California St. San Fran. CA 94104 (415)622‐2230

4. Chemical (Bank) Venture Partners,
LP 277 Park Ave. NY 10172 (212)310‐4949

5. Citicorp Venture Capital Ltd.
Citicorp Center(28 Flr) NY 10043 (212)559‐1127

6. Continental Illinois Venture Corp.
231 S. LaSalle St. Chgo IL 60697 (312)828‐8023

7. First Chicago Venture Capital
3,1st National Plaza Chgo IL 60670 (312)732‐5400

8. Fleet(Bank) Venture Partners III
Westminster St. Providence RI 02903 (401)278‐6770

9. Irving (Bank) Capital Corp.
1290 Ave. of Americas NY 10104 (212)408‐4800
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10. Wells Fargo Capital Corp.
650 Town Center Dr. Costa Mesa CA 92626 (714)556‐1964
For more Venture Capital opportunities contact the National Venture Capital Association
(NVCA) at 1655 N Fort Myer Dr. Ste 700 Arlington VA 22209.
Send them a SASE and they will send you a free Directory. There is also a Venture
Capital Network (VCN) which you can contact at Box 882 Durham NC 03824 (603)862‐
3556. This is a matching service for loans between $50,000 to $750,000.

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The Most Important Laws to Understand

● The Fair Credit Billing Act
● The Equal Credit Opportunity Act
● The Fair Credit Reporting Act

The Fair Credit Billing Act states that if you find an error of at least $50 on your
credit card statement or department store charge statement and you write to the
company about it, the company must acknowledge your letter within 30 days and
must resolve the dispute within 90 days. You must write on a separate piece of
paper, not on the bill.

The Equal Credit Opportunity Act bars discrimination on the basis of sex or marital
status in the granting of credit. Furthermore, you cannot be discriminated against
on the basis of age, race, color, religion, national origin, or receipt of public
assistance payments. The Equal Credit Opportunity Act requires that if you are
denied credit, the creditor must tell you why you were turned down.

The Fair Credit Reporting Act protects your credit status from misinformation, and
unverifiable or incomplete information. If you have been denied credit within the
past 30 days because of a negative report, the lender who turned you down must
give you the name and address of the credit bureau that supplied the report. You
then have the right to obtain a free copy of your file from the credit bureau. This
file must contain all the credit information they have on you and the sources from
which they obtained the information. Under the Fair Credit Reporting Act, you
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also have the right to an investigation of any information in your file that you feel
is inaccurate or incomplete. This is your right whether or not you have been
turned down recently by a creditor or lender. If the investigation reveals that the
information in your file is inaccurate or incomplete, or if it cannot be verified, it
must either be corrected or removed from your file. The credit bureau must send
a copy of the corrected record to each creditor or employer who was furnished
with the incorrect or incomplete information. Even if the credit bureau finds no
reason to correct your file, you have the right to issue a statement of your
reasons for disputing their records, and this statement must be kept as a
permanent part of your file. If a credit bureau violates the Fair Credit Reporting
Act in anyway, you should contact the Federal Trade Commission and you have
the right to sue the credit bureau.

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Conclusion

Now that you know all the tricks of the game and are aware of all the possible
loopholes, you now have complete power over your credit records, DMV and all
your personal records. You now have the totally new and fresh file you have
always wanted. Use it well and as you wanted because you now have the perfect
knowledge of how to play it safe and effectively in the world of “credit”. We wish
you all the best for your new career and hope that you use the loopholes and
tricks taught to you by “The Ultimate Credit Report Loophole” effectively. So
break free of the past and enjoy your new future!
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The Ultimate Credit Loophole

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The Ultimate Credit Loophole

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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

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

Cash Grants available ................................................................................................... 85

The Most Important Laws to Understand ...................................................................... 94

1 Alabama 416 to 424 28 Nevada 530

Parameter Points Parameter Points

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