The can provide referrals to nonprofit agencies that provide
counseling to people who can't resolve their credit problems by themselves.
Annual Credit Report Request Service
O National Credit Bureau
National Foundation for Consumer Credit
American Credit Organization

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explanation:

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the tree invited all its friends to its lumber party. the party was at saruman's tower in isengard because saruman had killed some trees

in his speech "i have a dream," king states the plight of african americans, as he argues that after the civil war, slaves were promised equal rights and freedoms, but that these promises have not materialized.

he goes on to say that there are those who ask "when will you be satisfied? " implying that african americans alread enjoy a lot. in order to attack this argument, king lists examples of civil rights struggles that african americans still face, such as police brutality, segregation and racial prejudice.