September 9, 2016

Many of us can thank credit for benefits we enjoy in life. Credit has allowed us to buy houses, finance education, purchase goods and services, or make it through an emergency situation.

For me personally, access to (relatively) cheap credit has helped me achieve milestones in my life. It helped fund my education at the University of Missouri, which led to buying a car through credit from Commerce Bank, and helped transport me to my first job 12 years ago. Not long after that, credit helped me buy an engagement ring for my wife, and then we used our joint credit to buy our first house in Independence. For me, getting started on my adult life was largely financed by good credit.

Unfortunately, so many people have little or no access to credit. For those not connected to traditional lending sources, or unable to qualify for the good credit that so many of us enjoy, they must often turn to lenders that prey upon their vulnerability. Toxic lending operations rely on the business model of...

September 9, 2016

Jane has been a CSL client for nearly four years. She and her family were first referred to CSL through a Family School Liaison at the Independence School District, at a time when both she and her two daughters were homeless. 

Shortly after arriving at CSL, our team learned that due to a mental health disability, Jane and her family qualified for our Permanent Supportive Housing Program.  Thanks to the support of CSL paying their monthly rent, Jane and her two daughters have been comfortably housed for the last three years allowing them to focus on strengthening their family and their finances.

As is the case with many families struggling to climb out of poverty, Jane had a title loan on her previous car with an interest rate of 179.88%!  With Jane desiring to attend community college to help move her family forward, and her eldest daughter being offered a scholarship to attend O’Hara High School, a more reliable and affordable car was desperately needed by their family.  Our very own...

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