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Lost or Stolen Credit, ATM, and Debit Cards

If your credit, ATM, or debit card is lost or stolen, federal law limits your liability for charges made without your permission, but your protection depends on the type of card — and when you report
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Mortgage Discrimination

Discriminating against someone who’s trying to get a mortgage loan is against the law. Know your rights and what to do if you suspect discrimination. Fair Lending Laws and Your Rights Before and
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Credit Discrimination

Federal law gives you protections when you deal with any organizations or people who regularly extend credit. That includes, for example, banks, small loan and finance companies, retail and department
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Understanding Your Credit

We hear a lot about credit — credit reports, credit scores, credit freezes, credit monitoring. What does it all mean for you? Your credit matters because it affects your ability to get a loan, a job
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Avoiding Scams To Lower Your Credit Card Interest Rate

Some scammy debt relief companies will say just about anything to get your money. They promise to get you a lower credit card interest rate, claiming to be able to save you thousands of dollars but
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Home Equity Loans and Home Equity Lines of Credit

If you’re thinking about getting a home equity loan or a home equity line of credit, shop around. Compare financing offered by banks, savings and loans, credit unions, and mortgage companies. Shopping
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Cosigning a Loan FAQs

When you cosign a loan for a friend or family member, you’re putting your own finances and creditworthiness on the line. Here’s what you need to know before you cosign a loan. What’s a cosigner? Why
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Trouble Paying Your Mortgage or Facing Foreclosure?

If you’re struggling to make your mortgage payments, or you’re already in default, there are things you’ll need to know and ways to resolve issues with your lender or servicer. Many people find it
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Fixing Your Credit FAQs

Is information on your credit report correct — just not so good? No one promising to repair your credit can legally remove information if it’s both accurate and current. But there are steps you can
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Mortgage Relief Scams

Scammers promise to make changes to your mortgage loan or take other steps to save your home, but they don’t deliver. Never pay a company upfront for promises to help you get relief on paying your
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What To Do if a Debt Collector Sues You

If a debt collector files a lawsuit against you to collect a debt, it’s important to respond — either yourself or through an attorney. And remember, you have rights when it comes to dealing with debt
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Debt Collection FAQs

When a debt collector calls, it’s important to know your rights and what you need to do. The FTC enforces the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to
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Your Rights When Paying Your Mortgage

Dealing with your mortgage can feel confusing and frustrating. But you have rights when it comes to making your payments and how your servicer manages your account. What Is a Mortgage Servicer? How To
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Credit Scores

Creditors use credit scoring systems to figure out if you’d be a good risk for credit cards, auto loans, and mortgages. Phone companies and companies selling auto insurance and home insurance also use
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Disputing Errors On Your Credit Reports

You want your credit report to be accurate because it affects whether you can borrow money — and how much you'll pay — to borrow money. It also may affect getting a job or insurance, or renting a