Topics of Interest

Credit

• What is Credit?
• Applying for credit
• Credit Bureaus
• Credit Counseling Services, also known as Adjustment Service Companies
• Credit Denial
• Credit Insurance
• Credit Problems
• Credit Service Organizations
• Divorce and Credit
• Equal Credit Opportunity Act
• Fair Credit Reporting Act
• Open End Credit
•   Revolving Credit Market (PDF: 288 KB / 63 pages)
• Understanding Credit (PDF: 1,447 KB / 34 pages)

Credit Report

• What is a Credit Report?
• Get your Free Credit Report
• Credit Report Freeze (PDF: 57 KB / 8 pages)
• How long is data reported?
• How to correct errors
• Sample report and reading guide (PDF: 12 KB / 3 pages)
• Sample letter to correct error

Credit Cards

• Credit Cards – Choosing a Card
•  Credit Card Interest Rates and Fees  (PDF: 34 KB / 1 page)
•  Credit Card Numbers on Receipts  (PDF: 35 KB / 1 page)
•  Credit Card Solicitations  (PDF: 31 KB / 6 pages)
• Credit Card Tips
• Debit Cards (Check Cards and ATM Cards)
• Loan and credit card scams (advance fee scams)
• Secured Credit Cards

Consumer Protection

• Cancellation Rights
• Credit Repair Scams
• Don't Be an On-line Victim
• Reducing Junk Mail and Unwanted Solicitations (stop credit card offers)
• Rent-to-Own
• Skip Payments Offers
• Telemarketing

Collection/Bankruptcy

• Bankruptcy
• Ceasing Communications
• Checks Marked as Payment in Full
• Collection Practices
• Disputing a Debt
• Worthless Checks

Scams / Identity Theft

• Counterfeit Check Scams (PDF: 38 KB / 2 pages)
• Identity Theft
• Phishing
• Loan and credit card scams (advance fee scams)
• Home Equity Scams (PDF: 41 KB / 4 pages)

Banks/Credit Unions/Savings Institutions

• Are My Deposits Insured?
• Check 21
• Differences between Banks, Credit Unions and Savings Institutions

Financing/Leases/Loans

• Free Financing Offers
• Leases - Motor Vehicle
• Interest Calculations - Actuarial Method (PDF: 38 KB / 3 pages)
• Payday Loans
• Refund Anticipation Loans (RALs)
• Rule of 78s