• Free to Save Matched Savings Program Application and Eligibility Form

  • The Free to Save Matched Savings Program offers three services:  Financial Literacy Classes, 1:1 Coaching and Asset Saving & Purchase. You must be at least 18 years old and be a resident living in Lancaster or Saunders Counties Nebraska to be eligible for this program. Eligible participants must also meet income (200% of poverty guidelines) and net worth (less than $10,000) requirements. The Free to Save Matched Savings Program is not intended to address immediate needs.  

    Financial Literacy Classes are six weeks of classes that meet once per week, for two hours. Once completed you are eligible to continue with six months of 1:1 Coaching.

    The Asset Saving & Purchase portion of this program provides a 4:1 savings match for the following assets:  first time home, vehicle, post-secondary education and small business start-up or expansion. Individuals are only eligible to participate in the Asset Saving & Purchase portion one time. The waitlist for the Asset Saving & Purchase portion is fluid, based on applications received.

    Applications expire after six months. To stay on the waitlist, you must reapply.

  • First Adult's Information

    Head of Household
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  • Definition of Household: 

    A household is all individuals who reside in a dwelling unit who live and eat separately from other individuals in that unit. There may be subgroups within the same dwelling unit. One subgroup combines income and resources and eats together. Even though they pay a portion of the rent, they do not combine income or resources with the other subgroup(s) that are also paying a portion of the rent. Each subgroup is a separate household.

  • First Adult's Income

    Enter the monthly amounts for each type of income you receive.

  • Second Adult's Information

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  • Second Adult's Income

    Enter the monthly amounts for each type of income you receive.

  • Third Adult's Information

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  • Third Adult's Income

    Enter the monthly amounts for each type of income you receive.

  • Fourth Adult's Information

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  • Fourth Adult's Income

    Enter the monthly amounts for each type of income you receive.

  • Household Assets

    List the estimated value of what every adult (18+) living in the household owns.

  • Vehicle 1 - (Vehicle worth the most money)

  • Vehicle 2

  • Vehicle 3

  • Household Liabilities

    List the amounts every adult (18+) living in the household owes to others.

  • Program and Desired Asset Questions

  • Credit Report Authorization

    By signing below, I hereby authorize Community Action Partnership of Lancaster and Saunders Counties (Community Action) to obtain and review my consumer credit report and score as a prerequisite to receiving assistance. I understand that Community Action will use the consumer credit report and score to determine my eligibility for and to facilitate the delivery of program services. I further acknowledge I have received the Summary of the Fair Credit Reporting Act.

  • Certification of Accuracy

    By signing below, I hereby certify that all information provided on this application is accurate and complete to the best of my knowledge.
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  • KEEP FOR YOUR RECORDS: A Summary of Your Rights Under the Fair Credit Reporting Act

  • The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.ftc.gov/credit or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.

     

    • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information.
    • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure” You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: a person has taken adverse action against you because of information in your credit report; you are the victim of identity theft and place a fraud alert in your file; your file contains inaccurate information as a result of fraud; you are on public assistance; you are unemployed but expect to apply for employment within 60 days. In addition, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.ftc.gov/credit for additional information.
    • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
    • You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/credit for an explanation of dispute procedures.
    • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
    • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
    • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
    • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.ftc.gov/credit.
      You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688)
    • You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
    • Identity theft victims and active duty military personnel have additional rights. For more information, visit www.ftc.gov/credit.

     

    States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. Federal enforcers are:

     

     TYPE OF BUSINESS: CONTACT:
    Consumer reporting agencies, creditors and others not listed below

    Federal Trade Commission: Consumer Response Cente-FCRA

    Washington, DC 20580

    1-877-382-4357
    National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name)

    Office of the Comptroller of the Currency 

    Complience Management, Mail Stop 6-6

    Washington, DC 20219

    800-613-6743
    Federal Reserve System member banks (except national banks, and federal branches/ agencies of foreign banks)

    Federal Reserve Consumer Help (FRCH)

    PO Box 1200

    Minneapolis, MN 55480

    Telephone: 888-851-1920

    Website Address: www.federalreserveconsumerhelp.gov

    Email Address: ConsumerHelp@FederalReserve.gov
    Savings associations and federally charted savings banks (word "Federal" or initials "F.S.B." appear in federal insitution's name)

    Office of Thrift Supervision

    Consumer Complaints

    Washington, DC 20552

    800-842-6929
    Federal credit unions (words "Federal Credit Union" appear in insititution's name)

    National Credit Union Administration

    1775 Duke Street

    Alexandria, VA 22314

    703-519-4600
    State-charted banks that are not members of the Federal Reserve System

    Federal Deposit Insurance Corporation

    Consumer Response Center

    2345 Grand Avenue, Suite 100

    Kansas City, Missouri 64108-2638

    1-877-275-3342
    Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission

    Department of Transportation

    Office of Financial Management 

    Washington, DC 20590

    202-366-1306
    Activities subject to the Packers and Stockyards Act, 1921

    Department of Agriculture Office of Deputy Administrator-GIPSA

    Washington, DC 20250

    202-720-7051
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