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Credit, Loans, and Debt
Learn about getting and using credit, borrowing money, and managing debt.
Is a debt collector calling? What can you do? What are your rights? The Fair Debt Collection Practices Act (FDCPA) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices
Getting utility services ― gas, electricity, water ― has a lot to do with your credit history. The better your credit history, the easier it will be for you to get services. And your on-time (or late)
Ready to buy a house? Shop around for mortgage loans by getting details and terms from several lenders or mortgage brokers. Use our Mortgage Shopping Worksheet to help you compare loans and prepare to
The FTC honors the contributions and legacy of Black Americans across U.S. history. One of the top consumer issues we’ve heard from people living in majority Black communities is related to credit
Planning to buy things like new clothes or electronics for the holidays, but want to pay later? Some businesses offer “buy now, pay later” plans, which let you get your purchase right away and pay for
Credit card debt can be stressful. Interest rates can be high, and if you miss or can’t make your full payments, that growing balance can be overwhelming. Enter a group of companies that promised to
More from the FTC
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