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What is Credit? And How to Build it.  With the new year comes many New Year’s resolutions. Many people set a New Year’s Resolution to purchase a house. But to be able to achieve this, a person needs adequate credit to qualify for a mortgage. Here is a helpful guide on what credit is and how to build it.
What is a credit score? A credit score is a three-digit number ranging from 200-850. This number reflects your “risk” to a loan or credit card provider. In other words, it is how likely you are to pay off a loan or line of credit; the higher the number, the more likely you are to pay, at least in the eyes of the bank.
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How Philadelphia Made a Landmark Investment in Housing: To Amend or Not to Amend the HOME Initiative? That is the Question.  At the beginning of the year, Mayor Cherelle Parker introduced her “Housing Opportunities Made Easy” Initiative, or the H.O.M.E. Initiative for short. This initiative stems back to her Mayoral campaign, when she initially promised to build 30,000 units of affordable housing if elected. Now, nearly halfway through her term, that objective has changed from building 30,000 units of affordable housing to building or preserving 30,000 housing units. The current aim is to begin construction for 13,500 new units and to restore or preserve an additional 16,500 homes, both of which align with her March 2025 goals.
How to reach these specific goals an ensure that “affordability” is met has led to some hearty debate within city council, but most are in agreement that the foundations of this plan are essential. So, what exactly is in the H.O.M.E. plan?  Lowering Temperatures, Rising Utility Costs
It’s a beautiful time of year! The leaves are changing, the wind is getting chilly, and mosquitoes are disappearing for the season! But with these lower temperatures, and Philadelphia projected to see a colder winter than the last couple of years, Philadelphians need to begin preparing now so they are ready for increased electricity and gas bills. As we see these colder weeks and months approach us, knowledge about what to do if your utility bills get too expensive is crucial. In this article, we'll share some energy saving tips, and inform you of the Utility Bill Assistance Programs across Philadelphia that can help dramatically lower your bills and avoid shut offs.  "We're not just celebrating 1,000 wills signed. We're celebrating trust, we're celebrating partnership, and most importantly, we're celebrating community." -- Derrick Thomas, Will Power Program Manager On October 15, AHCOPA and Community Legal Services of Philadelphia hosted a celebration to mark a major milestone in the Will Power program -- the 1,000th will signed. During the event, we heard from community partners, a client who received her will, elected officials who support the work, and we enjoyed some locally baked cupcakes from crumcakesandbakes.com. Thank you to our amazing partners, to the elected officials who honored our team, and to Zion Baptist Church of Philadelphia for hosting the event! A special thanks to Aaron Moselle from WHYY and Michaelle Bond from the Philadelphia Inquirer for their stories on the Will Power program! Sarah KelloggSarah is the Director of Communications for AHCOPA Why Lower-Income Philadelphians Pay more Property Taxes than Other Cities  City of Philadelphia skyline Philadelphia’s poverty rate consistently ranks as one of the highest in the country for major cities. Pew research has also found that Philadelphia has one of the highest tax burdens for lower income households for a major city. Right off the bat, this seems counter productive. If Philadelphians are already dealing with such high levels of poverty, why is the city insistent on taxing lower income households?
 If you live in Philadelphia, you have most likely heard about SEPTA, the Southeast Pennsylvania Transit Authority’s, well known funding crisis. Due to significant lack of funds, SEPTA has been forced to reduce service, with the first round of reductions taking place last week, more cuts loom in the distant future, while current cuts planned for September 1st, and 2nd, have been halted by a Philadelphia judge.
These cuts not only impact service, but deeply impact the pocketbooks of the average SEPTA rider.
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