Topics of Interest

These pages are intended to provide more information about the Wisconsin Consumer Act topics.  This information is provided in an attempt to help you better understand our law and is not intended as legal advice.  For legal advice, please see a licensed private attorney.

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

Credit Report

• What is a Credit Report?
• Get your Free Credit Report
• Credit Report Freeze
• How long is data reported?
• How to correct errors
• Sample letter to correct error

Credit Cards

• Choosing a Card
•   Credit Card Interest Rates and Fees 
•   Credit Card Numbers on Receipts 
•   Credit Card Solicitations 
• Credit Card Tips
• Debit Cards (Check Cards and ATM Cards)
•   Differences Between Credit, Debit and Prepaid 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
• Dealing with Debt Problems
• Disputing a Debt
• Disputed Debt Fact Sheet
• Worthless Checks
• Collection Calls
• Debt Collection FAQs Article
• Debt Collection: Know Your Rights Video
• Fraud Affects Every Community: Debt Collection Video

Scams / Identity Theft

• Counterfeit Check Scams
• Identity Theft
• Phishing
• Loan and credit card scams (advance fee scams)
• Home Equity Scams
• How to Avoid Becoming a Victim of Fraud

Banks/Credit Unions/Savings Institutions

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

Financing/Leases/Loans

• Free Financing Offers
• Leases - Motor Vehicle
• Interest Calculations - Actuarial Method
• Motor Vehicle Titles
• Payday Loans - See Wisconsin Guide to Payday Loans
• Refund Anticipation Loans (RALs)
• Rule of 78s
• Student Loans