A photo of Jeff Monreal, owner and operator of Jeff Monreal Funeral Homes posing in a black suit with no background

Painesville Location

1000 Mentor Avenue Painesville, Ohio 44077

Willoughby Location

38001 Euclid Avenue Willoughby, Ohio 44094

Mentor Location

6330 Center Street Mentor, Ohio 44060

Personalized Funeral Services: Celebrating a Unique Life

Personalized Funeral Services: Celebrating a Unique Life

Explore personalized funeral services with Jeff Monreal Funeral Home in Painesville, Ohio. Learn how to choose a venue, select music and readings, and create memorabilia displays to honor your loved one.

Concerned family members comforting emotional young woman, offering glass of water, panorama

Grief is a journey as unique as the individual it honors, and a personalized funeral service offers a meaningful way to say goodbye. At Jeff Monreal Funeral Home in Painesville, Ohio, we understand the profound impact of commemorating life in a way that reflects personal tastes, passions, and the essence of the individual.

Embracing Individuality in Farewells

Every life is unique, and a funeral service should be no different. Personalization can comfort those grieving by focusing on the life lived rather than the loss.

Importance of Personal Touches

Adding personal touches to a funeral service can create an intimate experience that resonates with family, friends, and all who attend, turning grief into a celebration of the person’s life.

Factors to Consider for a Meaningful Venue

Choosing the right venue for a funeral service is a significant decision. Considerations such as size, location, accessibility, and the deceased’s personal preferences (such as favorite foods) play a vital role in the selection process.

Popular Venues for Personalized Services

While traditional funeral homes remain a common choice, alternative venues like parks, community centers, or private residences can provide a more personalized setting.

Selecting Music That Resonates

Music has the power to evoke emotions and memories. Selecting songs meaningful to the deceased can create a profoundly personal atmosphere during the service.

Finding Readings That Reflect the Life Lived

Readings, whether religious texts, poetry, or excerpts from literature, should mirror the beliefs, values, or personality of the departed.

Designing Displays to Honor Memories

Memorabilia displays can serve as a visual celebration of a life. Items such as photographs, awards, and personal belongings help share the story of the deceased.

Types of Memorabilia to Include

When choosing memorabilia, consider items that showcase hobbies, achievements, or any significant aspect of the individual’s life story.

Understanding Local Traditions and Preferences

In Northeastern Ohio, a rich tapestry of traditions and preferences can be woven into a personalized memorial service, creating a farewell that feels familiar yet unique and includes friends and family.

Why Jeff Monreal Funeral Home Stands Out

We pride ourselves on our commitment to personalized care at Jeff Monreal Funeral Home. Learn how we can assist you in creating a one-of-a-kind tribute to your loved one.

Step-by-Step Guide to Personalizing Services

We provide a step-by-step guide to help families navigate personalizing a funeral service, ensuring no detail is overlooked.

Working with Funeral Directors for Customization

Our funeral director, Jeff Monreal, is experienced in guiding families through the customization process, from the choice of venue to the final tribute.

Respecting and Incorporating Cultural Elements

Personalized services often include cultural elements. We honor these traditions and help integrate them into the ceremony respectfully.

How Different Cultures Approach Personalization

Understanding the diverse approaches to personalization across cultures can provide inspiration and a way to honor the deceased’s heritage.

Virtual Elements for Wider Inclusion

In today’s connected world, incorporating technology can allow those who cannot attend in person to participate in the service, creating a collective space for mourning and remembrance.

Utilizing Multimedia During Services

Technology can also enhance the service with multimedia tributes, such as video montages or live music performances, making the ceremony even more memorable.

FAQs on Personalized Funeral Services

How do we choose a venue that reflects our loved one’s personality? 

Selecting a venue that reflects your loved one’s personality involves considering the places they cherish most. Was there a particular setting where they felt most at peace, like a favorite park or garden? Or a community center where they devoted much of their time? Consider these personal spaces, along with the practical aspects such as size, accessibility, and facilities, to ensure the venue aligns with the tone and spirit you wish to capture for the service.

What guidelines should we follow when selecting music and readings? 

When choosing music and readings for a funeral service, think about what resonated with the departed. Consider their favorite songs, artists, or genres and select pieces that held significance to them. You may choose from their preferred literature, poems, scriptures, or even personal letters for readings. It’s also important to consider the message you wish to convey—comfort, hope, or a celebration of life.

What are some unique memorabilia display ideas for a funeral service? 

Unique memorabilia display ideas can include a photo collage or a slideshow of significant moments, a table displaying their artwork or crafts, or a set up of personal items, such as a collection of books or records. You could also create a memory board where attendees can pin notes of memories or messages to the deceased.

How can we personalize a service while respecting traditional funeral etiquette? A service can be personalized while respecting traditional funeral etiquette by balancing customized elements with conventional practices. You can incorporate personal touches through music, readings, and eulogies or by inviting attendees to participate in reflecting on the deceased’s life, such as wearing their favorite color or sharing personal anecdotes, while still adhering to respectful behavior and dress codes commonly associated with funerals.

What should we consider when incorporating cultural traditions into the service? 

When incorporating cultural traditions, it’s crucial to understand and respect the practices and values of the deceased’s culture. Consult with family members, community leaders, or religious figures to ensure accuracy and appropriateness. Also, consider how these traditions can be woven into the service in a way that honors the deceased and educates attendees who may be unfamiliar with these customs.

How does Jeff Monreal Funeral Home assist in planning a personalized funeral? 

Jeff Monreal Funeral Home assists in planning personalized funerals by working closely with the family to understand their wishes and the unique aspects of the deceased’s life. Our funeral director offers guidance on all aspects of the service, from venue selection to the creation of memorabilia displays.

We support ensuring each detail reflects the individual’s personality and life story, creating a meaningful and memorable experience for all who attend.


Personalized funeral services create a heartfelt farewell as unique as the individual they commemorate. With thoughtful planning and attention to detail, these services can offer solace and a lasting tribute to a life well-lived. Contact us today to learn more about our services.

Grief Support & Counseling Resources in Ohio – Jeff Monreal

Discover essential support and grief counseling resources in Northeast Ohio, including services offered by Jeff Monreal Funeral Home in Painesville, Ohio. Learn how to navigate the grieving process with care and support.

Grief is a journey that doesn’t come with a map. It’s a deeply personal experience, often necessitating a guide to navigate its complexities. In Northeast Ohio, individuals and families experiencing loss can find solace and support through various resources designed to help them through these trying times.

This guide delves into the essential support and grief counseling resources available in the region, spotlighting the compassionate services of Jeff Monreal Funeral Home in Painesville, Ohio.

Understanding Grief and Loss

Grief encompasses a wide range of emotions that individuals may experience following the loss of a loved one. It’s a process that affects everyone differently, influenced by personal, cultural, and societal factors.

The Role of Funeral Homes in Grief Support

Funeral homes are pivotal in providing support during the initial stages of grief. Jeff Monreal Funeral Home, situated in the heart of Painesville, Ohio, offers services to ease the burden on families during these difficult times.

Support and Grief Counseling Resources in Northeast Ohio

Northeast Ohio is home to numerous grief counseling services and support groups that offer a helping hand to those in mourning. These resources allow individuals to share their experiences, find community, and begin healing.

The Importance of Community in Healing

The support of a community can be incredibly healing for those grieving. Community events and memorial services offer a sense of belonging and an opportunity to honor the memory of loved ones in a supportive environment.

Navigating Grief During the Holidays

The holidays can be a particularly challenging time for those who are grieving. Understanding how to navigate these times can help individuals find peace and create new traditions in memory of their loved ones.

Online Grief Support Options

In today’s digital age, online support resources have become invaluable for those seeking guidance and community from the comfort of their homes.

Grief Support for Children and Teens

Young people process grief differently from adults. Specialized resources and programs are available to help children and teens understand their emotions and find ways to express their grief healthily.

Grief Support Groups in Northeast Ohio

Joining a grief support group can offer a sense of community and understanding that is hard to find elsewhere. Northeast Ohio boasts a variety of groups catering to different needs and loss experiences.

The Healing Power of Memorial Services

Memorial services provide an opportunity for families and communities to come together to celebrate the life of a loved one, offering a step toward healing. Jeff Monreal Funeral Home is dedicated to creating meaningful, personalized services.

Legal and Financial Guidance After Loss

Dealing with the practical aspects of loss, such as legal and financial matters, can be overwhelming. Guidance and support from knowledgeable sources can ease this burden.

Self-Care and Wellness in Grieving

Self-care is a critical aspect of navigating grief. Engaging in wellness practices can help individuals find balance and peace during their grieving process.

The Future of Grief Support

As society evolves, so do the approaches to grief support. Innovations in counseling and community initiatives continue to emerge, offering new pathways to healing.

Jeff Monreal Funeral Home’s Commitment to Support

Jeff Monreal Funeral Home is not just a provider of funeral services; it is a pillar of support in the Painesville community, offering ongoing assistance and resources for those in grief.

How to Choose the Right Funeral Home

Choosing a funeral home is a significant decision. Understanding what to look for and what questions to ask can help ensure you find a place that meets your needs and honors your loved one’s memory.

Grief counseling services in Northeastern Ohio

In Northeast Ohio, there are several reputable grief counseling services and resources available to individuals and families navigating the challenges of loss and bereavement. Here’s a list of some critical organizations offering support:

  1. Cleveland Clinic’s Grief and Bereavement Services offers comprehensive support, including individual and group counseling, spiritual care, and holistic approaches to healing mind, body, and spirit. Their services are open to all, regardless of religious beliefs, and aim to promote healing and renewed hopefulness.
  2. Hospice of the Western Reserve provides a wide array of services to support those dealing with serious illness, loss, and grief. They offer 24/7 assistance in nine Northern Ohio counties, emphasizing compassionate care and support for patients and their families.
  3. Ohio’s Hospice offers grief counseling that may include sessions on education about the grieving process, coping strategies, and referrals to specialized community services. They emphasize progress in healing through both individual counseling and group support.
  4. Aultman Grief Services, located in Canton, Ohio, provides various support groups, counseling, and educational resources to help individuals and families navigate their grief journey. Their approach integrates community education and wellness programs.
  5. Cornerstone of Hope, based in Cleveland, offers targeted support for different age groups, including children, adolescents, and adults. They utilize creative therapies such as art and group counseling to assist individuals through their grief journey.
  6. Ohio’s Hospice Grief Support Programs feature groups like Growing Through Grief, which is open to any adult who has experienced the loss of a loved one. They also offer art therapy programs and specialized groups to meet the needs of different grieving individuals.
  7. OhioHealth’s Grief Support Groups in central Ohio provide extensive services, including support groups for all ages, workshops on grief and loss, expressive art therapy, and one-on-one counseling. They aim to support individuals through the “new normal” of life after loss.
  8. Ohio State Wexner Medical Center offers resources for grief, loss, and bereavement as part of its commitment to improving health and wellness in Ohio communities. They focus on providing comprehensive support services to patients and families.

Each of these organizations offers unique programs and services designed to support individuals and families during their time of need. Whether you’re seeking one-on-one counseling, group support, or specialized therapies, resources can help you through the grieving process. For more information, please visit the respective websites of these organizations.


Grieving is a deeply personal journey, but no one needs to walk it alone. The wealth of support and grief counseling resources in Northeast Ohio, combined with the compassionate care provided by Jeff Monreal Funeral Home, offers a beacon of hope for those navigating the complexities of loss.

Compassion When You Need It Most

When you are faced with calling a funeral home, I invite you to call me any time of the day or night. You can trust that I will treat your loved one with respect and honor. I will also treat your family with compassion and dignity during the funeral or cremation process. I pledge that every detail be handled thoroughly and within your budget. 

Contact Funeral Director Jeff Monreal for more information.

Coping with Family Conflict After a Death

Following bereavement, grieving families can often fall out and argue over all sorts of different issues. Indeed, the conflict and falling out can begin before a loved one has died. Family members can argue among themselves and even with the dying loved one themselves. It’s helpful to understand how to cope with family conflict after a death, most especially because it is a time where everyone is processing their emotions in their own way.

This is more common than you might imagine. Most of us hope that families can come together when someone dies or is dying, but grief affects people in different ways. Death and its aftermath bring out the strongest emotions in people, and these can be pretty complex. 

A research study conducted in the United States based on evidence gathered from 2004 to 2019 showed that intra-family conflict occurs often, and it shows the harmful impact not only on the family dynamic but also on the person who is dying. In the US, it was reported that 57% of families admitted arguing with each other as a loved one was dying. About 42% of Japanese families reported the same. 

Conflict can increase significantly when end-of-life care is taken out of professional hands and moved into the home.

Common Sources of Conflict

End-of-life Care

Whether a person is in a hospital, a hospice, or at home, end-of-life care is always a delicate issue to discuss with their family. Even if they are not suffering from a life-limiting illness, there are still many areas they can discuss with their family members regarding what they wish to happen at the end of their lives.

If you are diagnosed with a terminal illness, it will help to let your family know well ahead of time what your wishes are for treatment options or withdrawal of care. You need to be completely honest and discuss your feelings; family members must also discuss their feelings. 

Family fights occur when family members often disagree on who is to provide care, where and how this is to be given, and who is responsible for making decisions on behalf of the person needing care when the time comes.

The Funeral

Family disagreements happen, particularly when a loved one dies suddenly, and no one in the family knows what the deceased’s wishes are. Families can find themselves arguing over what type of funeral to have, who is to be invited – and not invited – and who is to be responsible for organizing it and paying for it.

Money and Inheritance

As many family solicitors will no doubt confirm, the number one reason for family fallouts before and after bereavement is finances and inheritance issues. Research has shown that almost one-fifth of people in the UK have fallen out with a family member over their loved one’s estate and finances, and unfortunately, many of these conflicts never get resolved.

Even where there is little or no money in a deceased person’s estate, it is surprising how family members can argue over knick-knacks or who gets what. Sometimes, it is not actually about the money; instead, it is a way of remembering the one who has died and holding on to their memory.

It is natural for rivalries between siblings and children to come to the surface before and after someone dies as emotions become raw and things are said and done, which only serve to cause added stress to an already stressful situation.

While these challenges can be alarming, there are some simple principles that can help:

  • It’s important to understand that this type of conflict is very normal and common in grief. You and your family can get through it, although it may feel rocky for a while.
  • It is important to remember that the only thing you can change is YOU. Try to focus on how you can cope best with how people are behaving rather than trying to change how they are behaving.
  • Be committed to your own healing and getting your needs met. Trying to engage in a difficult situation when you are compromised can often make things worse.
  • If a relationship you value is being stretched, try to have compassion for the other person. They may also be hurting, and their perspective feels as legitimate to them as yours does to you.
  • Look outside of your family for grief support.

How to Avoid Emotional Arguments After Your Death – Plan Ahead

Planning what will happen at the end of your life is understandably a sensitive and emotional, sometimes painful, thing to do, so you must do this when the time feels right but also in good time and while you are of sound mind.

Take time initially to decide what is most important to you regarding your funeral. It could be helpful for you to look at how pre-planning your funeral can ease the situation for your loved ones and help them in their grief.

Pre-planned funerals, such as those offered at the Jeff Monreal Funeral Home, are becoming a popular choice for people who wish to have a degree of control over their end-of-life plans. Our specialists in funeral pre-planning can help you organize everything from start to finish, from creating a customized funeral just for you, to supporting the family through the whole process.

Talk the Family Through Your Wishes

It’s essential once you have decided to opt for a pre-planned funeral to gather the family together and discuss your wishes. Some families want to be involved in the planning process while others don’t, but it can be helpful for families to plan together. 

By talking through what you wish to happen, from what kind of funeral you want, whether you want a burial or cremation, whether the funeral is to have a religious or non-religious service, and all the other incidentals, your family is more likely to be reassured and is more likely to follow your wishes.

The Advantages of Using a Funeral Director for Planning

Knowing that you have received expert, independent help to tailor your funeral and create your legacy entirely can give you enormous peace of mind. Funeral Directors can even help you record your memories to leave for your loved ones. 

An Important Consideration: Having your wishes, personal contacts, and other information, such as essential documents, stored safely in one place at the Jeff Monreal Funeral Home under the care of the Funeral Director, Jeff Monreal, will give you complete control and security, safe in the knowledge that your loved ones will be relieved of the need to argue about funeral arrangements. Contact Jeff Monreal today.

Planning can also be a wise financial move as you can save your family thousands of dollars by fixing the costs involved at current prices.

A well-arranged funeral can help those who are left behind to move forward with the grieving process in the knowledge that everything you wished for yourself has been carried out and you will get the send-off you want. While your loved ones will undoubtedly grieve, this could give them the peace to pull together after your death rather than pulling apart.

Understanding Burial Insurance 

Providing Financial Support When It’s Needed Most

A type of whole life insurance is known as burial insurance. This policy pays for final, funeral, or other end of life expenses.

There are three types of burial insurance policies: pre-need insurance, guaranteed issue, and simplified issue.


Burial insurance, a form of whole life coverage, offers financial security for end-of-life expenses like funerals. It encompasses three policy types: pre-need, guaranteed issue, and simplified issue, letting you choose beneficiaries and coverage. With no restrictions on usage, payouts cover funeral arrangements, medical bills, debts, and legal expenses. Cost-effective and accessible, these policies start at $53/month with coverage ranging from $5,000 to $35,000, requiring no medical exams or considering pre-existing conditions. Planning for funeral costs becomes essential, and burial insurance provides a viable solution, offering peace of mind during challenging times.

How does burial insurance work?

You can choose your beneficiary upon your death and the amount of coverage when you take out the insurance policy.

Your beneficiary must contact the insurance company as soon as possible to begin the claims process following the insured’s death. The beneficiary may be required to provide identification, a claims form, and provide a certified copy of your death certificate.

Funeral Insurance Covers:

There are no restrictions on how the insurance payout will be used. Your beneficiary may choose to use the payout for:

• Funeral service and viewing arrangement

• Interment and burial costs

• Costs of cremation

• Any medical bills

• Any debt remaining outstanding

• Any legal costs

If you need to leave a substantial sum, a whole-life policy may be a consideration.

Burial Insurance Policy Cost

One of the most affordable types of insurance today, burial insurance, is available even for older adults. This is due to its lower coverage amounts.

Regarding burial insurance costs, final expense life insurance rates start at $53 a month, with coverage amounts from $5,000 to $35,000, and premiums can be paid monthly or annually.

Funeral insurance policies do not require a medical exam, and pre-existing conditions are not a consideration in obtaining a policy.

Types of Burial Insurance 

Simplified Issue

The insurance company evaluates your medical health; no medical examination is required. 

Guaranteed Issue

No medical examination or questions are asked. Because the risk is higher to the insurance company, this type of policy costs are higher. There is a waiting period of about twenty-four or thirty-six months to receive full death benefits.

Pre-Need Insurance 

Your funeral provider will be a part of the contract in this type of policy. This agreement includes specific services and products you wish to have and are selected through the funeral home. The policy payout goes directly to them instead of your beneficiary.

Is Burial Insurance worth it?

According to the National Funeral Directors Association, the median funeral cost in 2019 was $7,640. So, suppose you’re on a tight budget and can’t afford a standard life insurance policy. In that case, funeral insurance can give you the coverage you need to handle significant end-of-life expenses. 

Burial insurance is typically a whole-life policy that lasts until you pass away. 

Plan for funeral costs

The cost is one of the most important things to plan for your funeral. Once you’ve decided what type of service you’re looking to have and whether you’d like to be buried or cremated, planning how you’ll finance it is essential. Letting your loved ones know what to expect in advance takes a massive burden off them during an already difficult time.

If you’re still considering pre-arranging your service, Jeff Monreal Funeral Home can answer your questions and help you make the right decision for you and your family.

Funeral Trends of 2024 from Preplanning to Cremation Rates

In recent years, new services and technology have allowed people to personalize and customize a funeral in untraditional and creative ways.

So, funeral trends may surprise you and are worth investigating, from pre planned funerals to celebrating a loved one. 

Cremation Rates are Rising (along with everything else)

The most common type of funeral practice has been burial. However, since the 1960s, cremation has gained popularity in the USA.

The USA cremation rate has increased by almost 30 percent since 2000. As of 2020, the rate reached 73.1 percent and is expected to grow to 77.6 percent by 2024. 

Lower cost is a significant reason for the increase in cremation rates. Traditional burials range in price from three thousand to over twelve thousand dollars because burials generally include increased funeral expenses.

For example, a casket alone typically runs between two thousand three hundred and five thousand dollars but can also cost upwards of twenty thousand dollars depending on customization. 

In contrast, cremation funeral costs fall between two thousand and five thousand dollars. With people choosing to have simple ceremonies, most of the expense goes toward cremation, provider fees, and urn purchases. Urns range in price from ten dollars to upwards of two thousand dollars. 

Direct cremation further reduces the average costs of a funeral. The remains of the loved one are sent directly to a cremation service center shortly after death, eliminating goods and services such as the casket, embalming, viewing, visitation, and wake. Direct cremation usually falls within the fifteen hundred to four thousand plus dollar price range.

Sustainability is a significant reason cremation has become more popular and is viewed as more environmentally friendly than burials. It requires less energy, is less labor-intensive, and uses fewer resources. 

Cremation also offers many options for the family members. Burial funerals need to take place in a relatively short period, and planning a large funeral becomes stressful. For cremation, families can hold the funeral or memorial immediately or celebrate much later. This also makes celebrating the deceased’s life easier with extended family and friends. 

Funeral Preplanning

The cost of dying has been steadily increasing over time, causing a surge in funeral arrangements made in advance, known as preplanning. People choose to customize funeral arrangements and memorial service ahead of time so that their wishes are followed with specific products and services. Preplanning gives us control over what will happen when we die. 

The prepaid funeral arrangement contract is a legal agreement made before death. This contract can be made with the funeral home service provider or funeral insurance company or within a life insurance policy. Your pre-selected arrangements will pay for the funeral with these allocated funds after death. 

This type of contract also helps protect you from inflation because the services are guaranteed at the pre-selected price.

Cremation Alternatives for Scattering and Burial

In recent years, the cremated remains were buried, scattered, interred in a niche or columbarium, or kept at the family home. Today, there are other options available: 

• Placing the ashes into keepsake jewelry or art

• Sending some of the ashes into space

• Incorporating ashes into fireworks.

• Pressing the ashes into a vinyl record

• Turning the ashes into a memorial diamond

• Turning ashes into memorial stones

• Growing ashes into a tree

• Adding ashes to a plush toy

• Painting a portrait with ashes

• Turning ashes into an underwater reef ball

• Scattering ashes from the sky

The Funeral Party

A growing trend for a funeral is focusing on a more joyous event to celebrate the loved one’s life. A great example is a celebration of life party. A celebration of life can have more solemn and respectful moments, but it is generally a more joyous celebration. Often, it is a mixture of both.

A funeral party allows us to hold a memorial for the deceased person and celebrate their life. Activities such as incorporating favorite foods, music, and decorations are common. 

These are some activity ideas:

  • An open mic night where friends and family take turns on stage sharing memories of their time with the deceased.
  • Memorial videos or slideshows are shared.
  • Participate in a favorite pastime or hobby. For example, go fishing, hiking, stargazing, or a game of golf.
  • Have a DJ play the loved one’s favorite music.
  • Have dinner and serve the deceased person’s favorite foods.

The Crowdfunding Option 

Crowdfunding provides a way for the family of the deceased as an aid in covering some of the costs of the funeral. 

Crowdfunding platforms are used to raise money for causes important to the deceased. Such as breast or lung cancer if that’s what caused the deceased’s death. Some of these raised funds can go to cancer research. 


If you have questions about cremation or the non-traditional funeral service, need information about direct cremation, or have any other concerns, contact us at Jeff Monreal Funeral Home. 

We can help you make funeral arrangements or to preplan a funeral. Contact us anytime at (440)527-6294.

If you would like to learn more about cremation, visit the Cremation Association of North America’s website.

Most funeral directors and funeral homes employees are trained to deal with grief and frequently deal with people who have lost loved ones. They try to make the process of planning a funeral service as easy and stress-free as possible for those in mourning. They also usually have a working knowledge of grief and how it works, and are able to work with those who have recently experienced loss.

What Can You Do if You Can’t Afford Funeral Home Services?

What do you do if you can’t afford a service at a funeral home? Learn helpful tips for planning a funeral service to help relieve the financial burden.

The cost of funerals varies, but they don’t have to be extravagant and expensive. What do you do if you can’t afford a funeral at a Northeastern Ohio funeral home? Who’s responsible for paying for the funeral, anyway?

Common questions surrounding paying for funeral and cremation services:

• What if there is a refusal to pay for the funeral? 

The funeral home does not have to take custody of the body. The funeral home does not have to accept the body if a family does not pay. Suppose the funeral home already has custody of the body, and the family refuses to pay. In that case, the funeral home will stop all planning, goods and services.

The body will be refrigerated per Ohio regulations. The family is charged a storage fee for the length of time the body is stored there. The body can be transferred to the State of Ohio at any time.

Are there government bodies that help with funeral costs?

Several government organizations help with funeral costs and the body’s final disposition. These agencies include:

  • Social Security
  • State Department of Health
  • Veteran’s Affairs
  • FEMA (if death occurred due to a natural disaster)

• What about getting a funeral loan? 

Many credit unions, online lenders, and banks offer loans to cover funeral expenses. Anyone can apply for a funeral loan. 

• Do you have to have a funeral?

You’re not required to have a funeral. So, you don’t have to worry if you can’t afford one. To save money, you can select a direct burial or cremation option (the most affordable final disposition services).

But if you want a funeral or service, there are ways to do so without spending too much money. The National Funeral Directors recommend personal loans covering the cost, along with establishing monthly payments.

• If the deceased has no money, who pays? 

The next of kin traditionally pays for funeral expenses if the deceased has no money. If the next-of-kin aren’t able or don’t want to pay, there won’t be a funeral. 

• Are there free burials or cremations? 

The county coroner’s office provides a form for the next of kin to sign, and the state will cremate or bury the body. While this is a free service, you will not have any say in where or how.

•   Is it free to donate the body to science?

Donating a body to science does result in a no-cost cremation. You can donate your body to science to medical schools, medical laboratories, and local hospitals. 

The Bottom Line 

There are numerous ways to deal with getting help to pay for a funeral such as buying a life insurance policy and opening a bank account. There is the option of paying with a credit card, and sometimes families can split the cost. The process is much less stressful when you plan. 

If you are feeling like you can’t afford a funeral home service, don’t fret. Paying for a service at any funeral home can be stressful, but it doesn’t have to be. Take time for the pre-planning funeral options, including how your family members or loved ones will pay for your services. We are here to help if you want to learn more about preplanning or dealing with a recent loss. Call us at Jeff Monreal Funeral Home or visit us today. 

Urn and Keepsake Differences

A cremation keepsake is designed to hold a small amount of ashes which is what makes it different from an urn. Keepsakes can be unique and special small pieces of jewelry or other items representing a loved one. Many people wish to have a keepsake after their loved one is cremated. In addition, many families choose to have a larger full-sized urn holding all the loved one’s ashes.

With keepsakes, families can create various memorial pieces for each family member as a special way to keep their loved ones with them. 

Urn jewelry is simply a small, hollowed-out container that you will fill with a small amount of your loved one’s ashes. It can be a charm or a bead you would put on a bracelet, but more commonly comes as a necklace.

Urn Types

An urn is a container used to hold a person’s cremated remains. Traditionally, urns for human ashes were vase-shaped containers with lids made from wood, metal, glass, cultured marble urns, or ceramic.

Funeral planning involves many difficult choices. Choosing the right urn becomes the next big question once you’ve decided that you want to move forward with cremation. The cremation urn is just as important as the gravestone or casket because it serves the role of both.

Finding the average cost of an urn can be perplexing. The size, material, and origin will all have a part to play in the price.

You want to make sure that the urn you select reflects the wishes and tastes of the deceased and their loved ones. A biodegradable urn might be best if the deceased was concerned about the environment.

You probably don’t want an overly ornate version if they had simple tastes. Chances are, you’ll know which urn is perfect when you see it, but keeping the personality of the deceased can help make the process more personal.

Urns range in size, material, and style. Here are some of the types of urns and their uses:

Scattering Urn

These urns are designed to hold ashes while also allowing for easy scattering. 

Water Urn

Water urns are unique because they are entirely biodegradable urns and will completely dissolve in water. These are eco friendly urns. They allow the remains to be dispersed gently without scattering ash or them blowing away or being accidentally dropped.

Memorial Urn

This urn holds a person’s ashes and is displayed inside the home. They are usually engraved with the family member’s name, date of birth and death, and a favorite saying or quote. 

Cremation Urn for Burial

After cremation, many people want to be buried. The burial urn is a secure type of urn that will hold the person’s ashes when buried. You want to choose an urn that is durable and will not inevitably be crushed by the weight of the earth’s gravity or be destroyed, which is why metal or stone are the best options.

Jeff Monreal can advise the best possible materials suitable for the types of burial the family chooses. You can also decide to purchase an urn vault to contain the urn for extra protection and increased durability.

Tree Urn

Some people wish to plant a young tree with the person’s cremated remains. This allows the tree to use the ashes as it grows, and the remains become a living urn by using material for the growing tree to use.

Planter Urns

Planter urns are unique planters for indoor areas that will hold the loved one’s ashes. These are particularly meaningful if the deceased was known to be a plant person. 

Types of Keepsakes

A keepsake is a small token or memento symbolizing a significant person, event, or place. A memorial keepsake is a small item representing, often quite literally, a person who has passed. They’re meant to be kept in a particular place or on display so you can remember the loved one. 

There are many different types of memorial keepsakes, and mini urns and mini keepsakes, and some popular ones include:

Keepsake Urn

A keepsake urn is a smaller, decorative container designed to hold a small portion of the cremated remains (ashes) of a loved one. These urns have gained popularity for several reasons due to the unique benefits they offer:

  1. Personalization: Keepsake urns come in various shapes, sizes, materials, and designs. This allows you to choose an urn that reflects the deceased’s personality, interests, or hobbies, making it a more personalized and meaningful tribute.
  2. Shared Remembrance: Keepsake urns allow family members and friends to have a portion of the cremated remains. This way, multiple people can share in the remembrance of the loved one, keeping a small piece of them close.
  3. Portability: The smaller keepsake urns make them easier to transport, store, or display in various locations. This can be especially beneficial if you want to keep the urn in different places, such as at home, at a workplace, or while traveling.
  4. Comfort in Grief: For some people, having a keepsake urn can provide comfort in grieving. The physical presence of the urn can serve as a tangible connection to the departed, offering a source of solace during difficult times.
  5. Flexibility in Memorialization: Keepsake urns offer flexibility in memorializing your loved one. You can place them on display shelves, mantelpieces, or memorial cases. Some keepsake urns are designed to be wearable as jewelry, allowing you to carry a small part of your loved one with you wherever you go.
  6. Cost-Effective Option: Traditional full-sized urns can be more expensive due to their larger size and construction. Keepsake urns provide a more affordable option for families who want to distribute the remains among several individuals or keep them in different places.
  7. Cultural and Religious Considerations: Distributing the remains among family members is expected in some cultures and religions. Keepsake urns provide a respectful way to honor these traditions.
  8. Commemorative Ceremonies: Families can hold multiple memorial services or ceremonies using keepsake urns with different groups of people. This allows for more intimate gatherings and sharing of memories.
  9. Flexibility for Final Resting Place: If the family still decides on a permanent resting place for the remains, keepsake urns provide a temporary solution while allowing for more time to make decisions.

It’s important to note that the choice of urn, whether standard or keepsake, is personal. Families should consider their preferences, cultural or religious beliefs, and the deceased’s wishes when selecting the appropriate urn.

Keepsake Jewelry

  • Urn pendants are hollow and hold a tiny amount of cremation ash. They can also be engraved
  • Fingerprint jewelry contains the image of your loved one’s fingerprint and can be made into almost any type of jewelry.

Keepsake Cremation Urns

  • Keepsake urns are small and allow numerous people to keep a small part of the ashes

Keepsake Glass

  • These are small, colorful glass pieces, usually handmade and infused with a small portion of ashes. These come in three typical shapes – hearts, orbs, and touchstones.

Urns and Keepsakes

 Here are some of the differences between urns and keepsakes.

  1. The urn is meant to hold a deceased’s ashes. Keepsakes are tokens for the remembrance of a loved one. 
  2. Full-size or portion urns are much larger than a keepsake, even a keepsake urn.
  3. Keepsakes can be anything small that reminds a person of the deceased. They include everything from photographs to jewelry. 

Compassion When You Need It Most

At Jeff Monreal Funeral Home, we work with people from all over Lake County to plan their cremation services, including Mentor, Eastlake, Willoughby, Willowick, Painesville, Wickliffe and beyond. If cremation services are something you would like to discuss, please don’t hesitate to get in touch with us today. We are only one phone call away from providing peace of mind and excellent service. Contact us to start planning for your family.

Know your Rights when Planning a Funeral 

Would you know where to start if someone asked you to help plan a funeral? The Federal Trade Commission’s (FTC) Rule allows you to compare prices among funeral homes, and makes it possible for you to select the funeral arrangements you want at the home you use. The FTC rule also provides:

  • Relevant information about funeral services and goods.
  • The different types of funerals.
  • Knowing your rights will help you make informed choices.

You can choose the things you need or want, and you can compare prices.

The FTC’s Rule states that funeral homes must give you services such as product information, including prices, over the phone. Some funeral homes also provide pricing information online.

Consumer Rights

The FTC has promulgated a rule setting forth consumer rights when purchasing funeral goods and services.  Some of these rights in the FTC rule are as follows:

  • -A right to receive price information over the telephone.
  • -The funeral home must give the consumer a general price list.
  • -The consumer has a right to use an alternative container instead of a casket for cremation. For example, the body could be placed in an unfinished wood, pressed wood, fiberboard or cardboard box.
  • -The consumer may purchase a casket elsewhere and the funeral home must accept this casket.
  • -Funeral arrangements can be made without embalming of the body. No State law requires embalming for every death. Refrigeration of the body is an acceptable alternative. However many funeral homes have a policy of requiring embalming if the body will be publicly viewed.

You have rights, whether the arrangements are made online, by telephone, or in person. More rights are listed below:

In Summary, You have the Right to:

  • Purchase only the services (such as a memorial service) and goods (such as a casket) that you want and are not required to buy a package deal 
  • Use a container other than a casket for cremation–such as those made of cardboard, pressed wood, or another material
  • Make use of an urn or casket you purchased elsewhere
  • Receive a written statement after making decisions and before you pay anything. This statement is required to list the price for every service, any goods you have chosen, and the total cost.

You can use the FTC’s Funeral Pricing Checklist to compare costs and ask about available options at different funeral providers. 

The Funeral Rule, enforced by the Federal Trade Commission (FTC), allows you to choose only those services and goods you need and want. The Rule will enable you to compare prices between different funeral homes, making it possible to select the funeral arrangements you want at the funeral home you use. 

Basic Services of the Funeral Home 

The Basic Services fee cannot be declined and is included in all arrangements. This fee covers the death certificate, all required permits, planning for the funeral, coordinating arrangements with the cemetery, cemetery plot, basic sanitation, and holding the remains. This fee is included in the prices shown for immediate burial or direct cremation. 

Compassion When You Need It Most

When you are faced with calling a funeral home, I invite you to call the funeral director at Jeff Monreal Funeral Home at any time of the day or night at (440) 527-6294. You can trust that I will treat your loved one with respect and honor. I will also treat your friends and family members with compassion and dignity during the funeral or cremation process. I pledge that every detail be handled thoroughly and within your budget.

When your loved one passes away it is, unfortunately, time to plan a funeral. There are many questions that you should ask yourself. Are you certain what kind of service you would like to host?

There are plenty of options. Jeff will discuss five choices in this article that you can consider.

There are a considerable number of funeral homes in Lake County, Ohio, but none provide the compassion and service that Jeff Monreal Funeral home does. We offer several different types of funeral services and we want you to be aware of what they are. The particular kind of service you choose depends on a variety of factors. It is hard to make a decision if you do not know all of your options.

Pros and Cons of Cremation

When making funeral plans for a deceased loved one, two main options are available for families: Cremation and Burial. Cremation is not an easy subject to think about.

Cremation is currently trending in the United States, and over sixty percent of the world’s population chooses cremation over burial. The most used phrase funeral directors hear about cremation is, “It’s cheaper. Mom didn’t want us to spend money on this.” 

Cremation vs. Burial PROS: 

1. You can still have a viewing/funeral before cremation.

  • This keeps the funeral somewhat the same as a traditional burial. Your friends and family can visit during the visitation, view your loved one in a casket, and have a funeral with the body present.
  • It can give you and your family some closure with the passing. It will feel more like a conservative funeral rite. Once the service is over, the cremation can proceed days later.

2. Cremation is less expensive than burial.

  • Casket Burial is more expensive than cremation cost because you need to choose a casket or cemetery plot. However, the costs can differ with your choice of urns or services.

3. Cremation uses less land and helps with overcrowding.

  • Cemeteries have been around for centuries. Many of the cemeteries are beginning to become overcrowded or running out of space for future burials while other families are interested in green burials.
  • With cremation, you can keep your loved ones remains with you, scatter their ashes, and bury them at sea in a coral reef or at the cemetery. Even if you decide to bury your loved one’s ashes at the cemetery, the urn vault is significantly smaller than a burial vault.

4. Cremated remains are portable and can be transferred into other urns.

  • The beauty of cremation is that you can take your loved one’s ashes with you anywhere. Let’s say you decide upon an urn at the time of passing.
  • Some people may want another urn later. You can take the urns to the funeral home, and they can transfer the cremains. The options are unlimited.
  • You can also divide the cremated remains into other urns for family members or friends. There is even an option for cremation jewelry.

5. Families have more time deciding on where the ashes will go.

  • It is very challenging to make any decision during your time of grief and pain. If you decide upon cremation, you and your family will have much more time to plan exactly what you would like to do. Burials are time sensitive and usually completed within a week.
  • In contrast, a cremation can give you more time to breathe and relax and decide what to do with the cremated remains. You can always scatter ashes or bury an urn; however, with burial, you are more pressured on time.

6. There are fewer details to plan for a service.

  • Memorial services generally do not require as much planning as a burial/funeral service. Also, you can plan a memorial service months later upon initial passing.
  • With memorial services, you don’t need to schedule a funeral procession or a graveside service at the cemetery. It may allow you more time to think about how you want to personalize your loved one’s celebration of life. 

Cremation vs. Burial CONS:

1. It is a permanent choice of disposition.

  • Cremation is such an irreversible form of disposition. The best example I can provide is if the death was due to a tragedy, most of the time, families want answers from the Medical Examiner and local police.
  • If your loved one is cremated, there is no physical body for the police to examine as evidence. If someone was buried, the police could exhume the grave (meaning they could take the body out of the ground) to further their investigation.

2. It may be against some religions.

  • Throughout history, some religions have had rules where they are prohibited from cremation or stray away from it. Traditionally, Catholics were opposed to cremation. They still prefer the body to be present during the funeral mass.
  • Still, they will allow cremation if the ashes are buried. Another religion that strictly prohibits cremation is Eastern Orthodox. Suppose your loved one is religious, and you are unsure about the religious aspect of cremation. In that case, calling a local church and asking is always best.

3. Cremation provides limited closure.

  • Whether you choose cremation or burial, spending some final time with your loved one is essential. That closure helps with the healing process. When you spend that final moment with your loved one, it gives you that sense of reality.
  • Those families that want cremation and no services find out later that they are regretful for not being able to see their loved one. Cremation does not give you as much closure in grieving as a full burial funeral.

4. It can cause family tension.

  • Unfortunately, some families do disagree with the final decisions of disposition. It can cause tension between other family members if one child wants cremation and the other wants burial. Another issue comes with the distribution of the ashes.
  • You can decide who gets to keep the ashes. All these decisions can cause families to feud. It may be more challenging for one family member to mourn than another due to the nature of cremation.

5. Cremation and death of a loved one can be hard to explain to children.

  • Children often need to understand death tangibly. This includes seeing their deceased loved one and being taught the truth behind the death. The best way children will learn is to witness the passing and not be sheltered from it.
  • Cremation can be more challenging for kids to understand because the closure of seeing their loved one may not be available. They may not understand the reality of death if they do not get the opportunity to experience it with their own eyes. They need to grieve in their own way, as adults do.

Green Burial

A green burial, also known as a natural burial or eco-friendly burial, is an environmentally conscious approach to burial that minimizes the impact on the Earth and encourages the decomposition of the body in a natural way.

It is an alternative to conventional burials using concrete vaults, which often involve embalming, using non-biodegradable materials, and maintaining manicured lawns in cemeteries.

The body is typically placed directly in the ground without embalming in a green burial. This allows the body to decompose and return to the earth naturally.

Using biodegradable materials, such as a simple wooden coffin or biodegradable casket, or a shroud made from natural fibers, is encouraged. The burial site is often chosen in a natural setting, such as a meadow or a forest, rather than a traditional cemetery.

The benefits of green burial include:

  1. Environmental Conservation: Green burials aim to reduce the environmental impact of traditional burial practices. Green burials help preserve natural resources, minimize carbon emissions, and protect ecosystems by avoiding embalming chemicals, non-biodegradable coffins, and concrete burial vaults.
  2. Natural Decomposition: Green burials promote the body’s natural decomposition, allowing it to return to the soil and contribute to the ecosystem. This process facilitates the recycling of nutrients and supports the growth of plants and wildlife.
  3. Cost-effectiveness: Green burials can be more affordable compared to conventional burials, as they often involve simpler and less expensive materials and procedures. This can make them an appealing option for those looking for a more budget-friendly choice.
  4. Emotional Connection to Nature: Green burials allow individuals and their loved ones to be laid to rest in a natural setting, creating a closer connection to the environment. This can offer a sense of peace and comfort for those who appreciate nature.

It’s important to note that green burial practices may vary depending on local regulations and cemetery policies. Suppose you are interested in pursuing a green burial. In that case, it is advisable to research and consult with Jeff Monreal Funeral Home to learn more about eco-friendly burial options.

There are many paths to change the way we approach end of life and after-death decisions. The Green Burial Council provides direction. Choosing unimpeded burial and the time-honored rituals that go with family-centered graveside funerals is one of them. 

Other Factors

There are several factors when making a final decision about your loved one. Keep these different aspects in your thoughts when choosing cremation vs. burial. Remember that the funeral director is there to answer any of your questions. It is a personal decision and every family has reasons for choosing cremation or burial, but it depends on your needs or wants. 

In summary, cremation allows you to still provide personalization in celebrating the life of your loved one. It is significantly less expensive than burial but can add up with all the extras you choose. 

Some religions may prohibit cremation and will not allow a member to be cremated. Cremation is also safer for the environment and takes up less space than burial. Because a memorial service has less to plan for, it can be easier for families who live further away. On the downside of cremation, it can be challenging to properly mourn and obtain closure if you do not view your loved one or have a service.

Jeff Monreal, our Funeral Director here at Jeff Monreal Funeral Home, understands your concerns with funeral arrangements. We focus on providing as much knowledge and education to you and your family before you make this big decision.  

If cremation services are something you would like to discuss, please don’t hesitate to get in touch with us today. We are only one phone call away from providing peace of mind and excellent service. Contact us to start planning for your family.

What do you do when a loved one dies? 

A checklist for the survivors

The emotional aspect of dealing with bereavement – even one that was expected – can be devastating. It can be easy to overcomplicate the process and get lost on your journey.

is no “right” way to do it. You may need professional help to talk through your feelings or time to process it all on your own.

Here is a list of suggestions for things you should do when a loved one dies:

  1. Take care of yourself. Ensure you eat healthy meals, get plenty of rest, and exercise regularly.
  2. Reach out to family and friends for support. Don’t be afraid to ask for help when you need it.
  3. Take your time when making decisions. You don’t need to rush into anything, and taking your time to think things through is ok.
  4. Make sure to attend to any necessary paperwork and financial matters. Connect with a grief counselor or bereavement support group if needed.
  5. Find ways to honor your loved one’s memory.

Whether it’s through a memorial service, a special tribute, or even a simple act of kindness in their name, take the time to remember them meaningfully.

The steps below outline the main areas you must address, starting immediately following the death. At Jeff Monreal Funeral Home, we can help you with all the important information and considerations along the way.

If you need clarification on where to start following a bereavement, Call Any Time (440) 527-6294, and we can go through your next steps together.


  • ❑ The funeral home should be contacted so that they take charge of adequately caring for your loved one. 
  • ❑ Alert your immediate family members and close friends. 
  • ❑ If employed, contact the deceased’s employer. 
  • ❑ If applicable, notify the deceased’s Power of Attorney. 
  • ❑ If applicable, notify the Executor of the deceased’s Will.
  • ❑ Notify civic organizations and fraternal or religious affiliations. 
  • ❑ For the probate of the estate: notify your attorney
  • ❑ Make arrangements for dependents or pets. 
  • ❑ Secure the residence by removing any valuables. Make the home appear occupied (such as using timers on lamps).
  • ❑ Dispose of perishable foods and empty garbage. 
  • ❑ Notify the Post Office to forward the deceased’s mail. 

Locate loved one’s essential documents:

  • ❑ Will 
  • ❑ Birth certificate
  • ❑ Social Security card
  • ❑ Marriage license
  • ❑ Military discharge papers (DD-214) 
  • ❑ Deed to burial property
  • ❑ Copy of funeral prearrangements 
  • ❑ Life insurance policies 

Compile the following information that the funeral home will need to finalize the death certificate: 

  • ❑ First, middle, and last name of deceased
  • ❑ Maiden Name (if applicable) and Home Address of deceased 
  • ❑ Social Security Number of deceased
  • ❑ Date of Birth of deceased
  • ❑ Date of Death 
  • ❑ Age of deceased
  • ❑ Gender of deceased
  • ❑ Ethnicity/Race 
  • ❑ Marital Status 
  • ❑ First and last name of Spouse
  • ❑ Highest level of education attained by deceased 
  • ❑ Occupation of deceased
  • ❑ Place of Birth (City and State) of deceased
  • ❑ Deceased’s Father’s Name 
  • ❑ Birth City 
  • ❑ Birth State Deceased’s Mother’s Name 
  • ❑ Birth City 
  • ❑ Birth State

If your loved one was a Veteran 

  • ❑ Service Date Entered
  • ❑ Service Place Entered
  • ❑ Service Number
  • ❑ Service Date Separated
  • ❑ Service Place Separated
  • ❑ Rank, or Rating, and Grade
  • ❑ Service Branch or Organization


  • ❑ If applicable, talk to an attorney about probate. 
  • ❑ Talk to an accountant to discuss estate taxes. File claims with life insurance companies. 
  • ❑ Get in touch with the Social Security Administration and other government offices that may have paid the decedent.
  • ❑ If your spouse died, ask about new benefits and whether you are eligible. 
  • ❑ Notify Registrar of Voters. 
  • ❑ Cancel home services, like cable, internet, newspaper delivery, etc. 
  • ❑ Cancel any of the deceased’s prescriptions. 
  • ❑ Cancel the deceased’s driver’s license and transfer titles of all vehicles with the Department of Motor Vehicles. 
  • ❑ Contact the deceased’s employer.
  • ❑ Inquire about any 401 (k), pension, or company benefits to which the decedent may be entitled. 
  • ❑ Notify all three credit reporting agencies (see below). 
  • ❑ Obtain a current copy of your loved one’s credit report. 
  • ❑ Verify whether benefits are available on existing insurance policies depending on the circumstances of the death (accidental?).
  • ❑ Check benefits available through existing credit card or loan accounts for life insurance.
  • Ask about benefits you may receive through the VA if your loved one was a veteran.
  • ❑ File any outstanding claims for Medicare or health insurance 
  • ❑ Obtain copies of the deceased’s outstanding bills. 
  • ❑ Locate and obtain other important paperwork necessary for the settlement of their estate:
  • ❑ At least 12 copies of the death certificate in the form of certified Death Certificates 
  • ❑ Real estate deeds and titles 
  • ❑ Stock certificates
  • ❑ Real estate titles
  • ❑ Loan paperwork 
  • ❑ Bank and retirement account statements
  • ❑ Tax returns: the past four years
  • ❑ Notify all creditors in writing that a death has occurred. 
  • ❑ Change ownership of assets and lines of credit. 
  • ❑ Update your Will. 
  • ❑ Update beneficiaries on your life insurance policies, if necessary. 
  • ❑ Send acknowledgment cards for flowers, donations, food, and kindness. Also, remember to thank pallbearers. 
  • ❑ Organize and distribute the decedent’s personal belongings. 
  • ❑ Remove loved ones from marketing and mailing lists. 

❑ Update all legal documents, such as Power of Attorney, Living Will, and Trusts.

❑ Obtain copies of all insurance policies, including life, health, and long-term care policies. ❑ Apply for Social Security benefits.

❑ File final income tax returns and estate taxes.

❑ Pay any outstanding debts and bills.

❑ Make arrangements for the funeral and burial services.

❑ Work with an attorney to file probate documents.

❑ Retitle any jointly held assets in the surviving spouse’s name.

❑ Close all bank accounts and credit cards in the decedent’s name.

❑ Contact the decedent’s employer and file for any benefits.

❑ Collect any unpaid wages or vacation pay due to the deceased.

❑ Notify state and federal agencies of the death.

❑ Cancel any subscriptions or memberships in the decedent’s name.

❑ Distribute any remaining assets in accordance with the will.



1-800-827-1000 https://benefits.va.gov/benefits/


1-800-772-1213 www.ssa.gov/pgm/links_survivor.htm 



1-800-685-1111 • www.Equifax.com 


1-800-888-4213 • www.TransUnion.com


1-888-397-3742 • www.Experian.com