Credit Discrimination
Federal law gives you protections when you apply for credit from organizations like banks and credit unions, finance companies, stores, and credit card companies.
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What to know about your credit history, using credit and debit cards, managing your debt, and debt collection.
Federal law gives you protections when you apply for credit from organizations like banks and credit unions, finance companies, stores, and credit card companies.
Your credit report and credit scores can affect whether you get credit or the price you pay to get it. If a business denies you credit or offers you less favorable terms for it, they must give you a notice.
Getting utility services like gas, electricity, or water has a lot to do with your credit history and your credit score.
Your credit matters because it affects your ability to get a loan, a job, housing, insurance, and more. It’s important to understand what your credit is and how to protect it.
Your credit score affects whether a company will give you credit and how much you’ll pay for it.
The accuracy of your credit report is important because it affects whether you can — and how much you'll pay — to borrow money.
Here’s what to know about how to fix errors on your credit report and avoid credit repair scams.
Learn how, why, and when to order copies of your free annual credit report.
Use this sample letter to dispute incorrect or inaccurate information that a business supplied to credit bureaus.
Sample letter to help you dispute mistakes on your credit report.
You’ve probably gotten calls or messages from companies guaranteeing — for a fee — to get you a lower credit card interest rate and promising to save you thousands of dollars. These scammy debt relief companies will tell you just about anything to get your money.
Credit, charge, secured credit, debit, and prepaid cards work in different ways and offer different advantages and pitfalls.
Your liability for fraudulent credit card charges is $50, but that doesn’t stop scam artists from peddling “loss protection” services.
Includes a list of contacts and practical steps to help you regain your financial footing.
Tips for organizing and safely storing your financial and personal papers, and how to replace important missing documents.
If you lose your credit, ATM, or debit card, federal law limits whether you must pay unauthorized charges, depending on the type of card and how quickly you report its loss.
Companies try to get new customers by sending “pre-screened” offers. Find out how prescreening works and how to opt out.
Do you need to dispute charges to your credit or debit card? This sample letter can help you write a letter to get your money back.
Here’s how to resolve billing errors on your credit card accounts.
A merchant’s hold – or block – on your credit card may mean you can’t use your card for awhile. You might have to pay overdraft charges.
If you’re considering using the services of a credit counseling organization, here’s what you can expect.
U.S. bankruptcy law requires credit counseling before you file for bankruptcy and debtor education after you file.
Here’s what you need to know about getting out of debt.
Read how debt settlement companies work, the program risks, how to research companies, and other options for debt relief.
Signing over your disability settlement payments to raise cash fast can hurt your finances in the long run. You may end up without enough money to live on.
Some ads that promise debt relief may be offering bankruptcy if you read between the lines.
If you owe back taxes, try to negotiate with the IRS or your state comptroller on your own. Tax relief companies can’t do anything for you that you can’t do for yourself.
You have rights when you deal with debt collectors.
Here’s what to know about the rules and your rights when a collector contacts you about a deceased relative’s debts.
Have you ever gotten a call about a debt you don’t recognize? Or have you had a collector harass, threaten, or lie to you? Here's what to do.
What to do if you get sued by a debt collector.