Housing
What is the name of the housing center and whats the address?
422 w 4th ave flint mi 48503- Genesee Community Resource Center
What is the number range for credit scores
300-850
What are the 4 types of insurance
HMO, PPO, EPO, and medicaid- government insurance
What are 5 programs MDHHS has?
food, medical, SER, daycare, cash assistance, and dss
what are the 3 forms of bankruptcy
chapter 7, 11, and 13
What are the 3-housing voucher programs?
housing choice voucher, project based, and rapid rehousing
what are the 3 credit bureaus?
equifax, Experian, and transunion/ a score used by lenders to predict how likely you are to repay borrowed money.
Which plan are you able to go to the doctors without a referral?
PPO
What are 5 things within a SER that DHHS assist with?
consumers, water, eviction, home repairs , burials, property tax
What are the ways you can file bankruptcy?
yourself, legal services, and a lawyer
What is the 3 ways to get housing vouchers?
1.Shelter
2. Section 8
3. Agency verification
What are the 2 types of credit
Revolving and Installments
What does FSA, DSA, and HSA mean?
health saving program, flexible saving program, daycare saving program
What 3 programs DHHS has?
adult services, child welfare, economic assistance
What can't be included in chapter 7 but can be for chapter 13?
Child support arreages
what can section 8 vouchers be converted to and what is the criteria for the conversion?
1 year section 8, maintain employment, and have a credit score thats able to get a FHA or any other governmental loan
What are the 4 things that are listed in your credit report?
payment history, debt levels, and public records/inquiries
Which spending account is considered an investment
HSA- health savings account
When a decision is made that you dont agree with what are the steps to take?
Complete a written document requesting an hearing
How long does chapter 7 last verse chapter 13
90 days and 3-5 years
what does rapid rehousing provide?
short term rental assistance, housing placement and inspections, case management and follow up support
what is a soft inquiry and a hard inquiry? What does car loans pull?
soft inquiry- credit is checked for non lending purposed like preapprovals or checking your credit history, or employer backgrounds
hard inquiry-when you apply for lender reviews your credit report to make a lending decision. It stays on your credit for up to 2 years. An it temp drops your score
What's the poverty leave percentage a person has to be to recieve medicaid? Does this change being married or having kids?
133 percent and it does change.
Do MDHHS pick health insurance plans or just approve and denial?
only approve or deny
Can student loans be included in bankruptcy? what is the stipulation to having student loans included in bankruptcy?
yes, but you have to show hardship (fixed income social security)