An official website of the United States government
Here’s how you know
The .gov means it’s official.
Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.
The site is secure.
The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely.
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
Paying off student loans can feel like a big undertaking, especially since it’ll take most people years to see a zero balance. When debt relief companies call promising quick loan forgiveness, you may
April is Financial Literacy Month, and a great time to take advantage of free advice at ftc.gov/Money Matters. Federal Trade Commission data show people reported losing $8.8 billion to scams in 2022
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