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Welcome to the MESO Credit 101 Program! 

Completing this form may take approximately 10-15 minutes. You will have the option to save your information and come back at a later time. 

If you own a business, you may want to have some of your business information available, such as approximate business start date, estimation of gross annual revenues, and number of employees (if any). 

IMPORTANT: Please note the final steps are required for completing the application: 
  • Once the form is completed, you will click the "SUBMIT" button 
  • Review your response and electronically sign then click the "SUBMIT SIGNED RESPONSE" button
  • Check your email and click the link to FINALIZE YOUR SIGNATURE 
If you have any questions on the process, please contact us at cb@mesopdx.org.
CREDIT 101 PROGRAM REGISTRATION: Page 1
ABOUT THE CREDIT 101 PROGRAM

MESO's Credit 101 Program is dedicated to helping individuals build their credit knowledge, scores, and history. After attending a virtual credit education session to learn about credit and how it affects you, you will receive a small interest-free installment loan of $100. Your loan term consists of 10 automatic monthly payments of $10, which will be reported to the credit bureaus.

WHAT ARE SOME OF THE REASONS TO HAVE A GOOD CREDIT SCORE/HISTORY
  • Better chance of credit card and loan approval
  • Qualify for lower interest rates on credit cards and loans
  • Approved for higher credit limits
  • Approval for rental houses and apartments
  • Better car and home insurance rates
  • Reward benefits on credit products
WHAT ARE THE BENEFITS OF THE CREDIT 101 LOAN
  • An installment "trade line" is established on your credit report
  • Payments will be reported for 10-months to the 3 credit agencies: Experian / Equifax / Transunion
  • Your FICO score may increase with timely payments (depending on your other credit activities)
PROGRAM DETAILS
  • Cost: $10 program fee
  • Session: attend a one hour virtual credit education session, if not attended previously
  • Process:
    • Your credit report will be "soft pulled' and sent to you with your loan agreement
    • Digitally sign a loan agreement with MESO
    • $100 loan disbursement made to you
    • Automatic debit of the $10 program fee and monthly payments
  • Follow-up: participants may request an updated copy of their credit report between 2-4 months of program completion
  • Repeating the Credit 101 program loan program is available and encouraged!
    • Attending the credit education session is not required for repeating Credit101 program
    • Loan amount of up to $200 and a program fee of up to $20
HOW TO APPLY
  • Complete this application
  • Virtual sessions are usually held twice a month on the first Tuesday at 3:00pm and second Thursday at 9:00am, unless otherwise noted (*). Please register for the session you would to attend, below:

MESO will email workshop details once you're registered.











CREDIT 101 PROGRAM REGISTRATION: Page 2 of 6

PERSONAL INFORMATION
















CREDIT 101 PROGRAM REGISTRATION: Page 3 of 6

INCOME AND DEMOGRAPHIC INFOMATION
Because MESO receives public funds to cover part of our costs, we are required to collect income and demographic information on our participants. Demographic information is not used by MESO in deciding to grant or deny loans. We appreciate your willingness to assist us by completing the following:

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mark all that appy

CREDIT 101 PROGRAM REGISTRATION: Page 4 of 6



EMPLOYER








BUSINESS OWNER













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CREDIT 101 PROGRAM REGISTRATION: Page 5 of 6


Co-Owner Information (if you have more than one co-owner click 'Add another response' below to enter their information.





CREDIT 101 PROGRAM REGISTRATION: Last page before signing!




On the next page you will be able to review your submission and electronically sign your application.

After completing the signature you will receive an email with a link to verify your signature. Please check your junk/spam folder for that email and be sure you click the link in the email to verify your application signature.

VERIFY YOUR INFORMATION IS CORRECT BEFORE PROCEDING. If your information is incorrect use the "Previous" button below to go back to the 2nd page of the application and update your email. Your answers will not be lost.








DISCLOSURES

Notice: Right to copy and release of credit report. Upon denial of loan request you may request in writing a copy of your consumer credit report. All associated fees
regarding the consumer credit report must be made to MESO before the credit report is released to consumer.

Notice: Right to copy of appraisal. We may order an appraisal to determine the property’s value and charge you for this appraisal. We will promptly give you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost.

Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is FDIC Consumer Response Center, 1100 Walnut St, Box #11, Kansas City, MO 64106.

Notice: If your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact Micro Enterprise Services of Oregon (MESO), Attn: Loan Department, 4008 NE Martin Luther King, Blvd. Portland, Oregon 97212, Office: 503-841-3351 within sixty (60) days from the date you are notified of our decision. We will send you a written statement of reasons for the denial within thirty (30) days of receiving your request for the statement.

WASHINGTON TRANSACTIONS: ORAL AGREEMENTS OR ORAL COMMITMENTS TO LEND MONEY EXTEND CREDIT OR FORBEAR FROM ENFORCING REPAYMENT OF A DEBT IS NOT ENFORCEABLE UNDER WASHINGTON STATE LAW.

OREGON TRANSACTIONS: UNDER OREGON LAW, MOST AGREEMENTS, PROMISES AND COMMITMENTS MADE BY US CONCERNING LOANS AND OTHER CREDIT EXTENSIONS THAT ARE NOT FOR PERSONAL, FAMILY OR HOUSEHOLD PURPOSES OR SECURED SOLELY BY THE BORROWER’S RESIDENCE MUST BE IN WRITING, EXPRESS CONSIDERATION AND BE SIGNED BY US TO BE ENFORCEABLE. 

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