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    The PERC Mortgage Foreclosure Prevention Center is an organic initiative designed to help struggling homeowners in PERC's hometown of Durham, North Carolina. Using our in-house expertise on consumer credit, credit scoring, and credit access, PERC staff is volunteering 10%P of PERC time pro-bono working with the Durham Affordable Housing Coalition (DAHC) and other local partners. PERC has developed a strategy to streamline operational procedures and build applications for trends analysis in housing counseling. The payoff to DAHC will be improved cash flow, increased visibility to funders, increased actionable information, and more person hours for counseling instead of paperwork. PERC is currently seeking volunteers to help with the Center. If you are in the Triangle area and have expertise in IT (database construction) or data entry, or wish to provide financial support, please contact Katrina Dusek at dusek@infopolicy.org.
  • » Many community development centers face technology and time constraints

  • » Under the current system, energy utility and telecoms customers are penalized for late payments, but are not rewarded for timely payments.

  • » Revenue often depends on timely data entry

  • » Counselors must file multiple reports, all containing different fields and formats

  • » The result is a highly inefficient operation that threatens cash flow


  • » Creation of a user-friendly central database

  • » Build an application to import and export data to HUD, state, county, and city databases, and to development organizations

  • » Construction of applications for querying and for generating trend analysis and quarterly reports

  • » Improved cash flow, timeliness of payments, security, and efficiency

  • » Enables counselors to spend more time with counseling and less time with paper work


  • » Phase I - Operations analysis and needs assessment

  • » Phase II - Development of central database and data entry

  • » Phase III - Development of report and query applications

  • » Phase IV - Quarterly reports and meta analysis

Asia-Pacific Credit Coalition

APCC is a PERC-managed coalition of organizations committed to promoting a regional standard for full-file, comprehensive consumer credit reporting to private credit bureaus within the twenty-one Asia-Pacific Economic Cooperation (APEC) member economies. Please visit PERC's coalition for credit standards in the APEC region, the Asia-Pacific Credit Coalition

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