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If you need a short term loan, you may be tempted by ads touting online payday loans. But before you click on a link, the Federal Trade Commission (FTC), the nation's consumer protection agency, has a few caveats to share. 

Lenders Don't...

The FTC recently completed its fifth national study on the accuracy and completeness of consumer credit reports. A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, or have filed for...

People use credit to pay for education or a house, a remodeling job or a car, or to finance a loan to keep their business operating.The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Equal Credit...

Here’s why you don’t want to pay fees to a business that promises to lower your monthly car payment or help stop a repossession.

A new car is second only to a home as the most expensive purchase many consumers make. According to the National Automobile Dealers Association, the average price of a new car sold in the United States is about $30,000. That’s why it’s important...

What do you do if a friend or relative asks you to co-sign a loan? Before you say yes, think about the obligations involved and how they may affect your own finances and creditworthiness. When you agree to co-sign a loan, you’re taking a risk a...

If you need money to pay bills or make home improvements, and think the answer is in refinancing, a second mortgage, or a home equity loan, consider your options carefully. If you can't make the payments, you could lose your home as well as the...

Looking for a loan or credit card but don’t think you’ll qualify? Have you been turned down by a bank because of your poor credit history? You may be tempted by ads and websites that guarantee loans or credit cards, regardless of your credit...

Chances are you rely on your car or truck to get you where you need to go. But if you're late with your car payments, your vehicle could be taken away from you. 

If you're having trouble paying your car loan and you're worried about having...

"We'll pay off your loan no matter how much you owe."

Some car dealers advertise that when you trade in one vehicle to buy another, they will pay off the balance of your loan – no matter how much you owe. But some people owe more on...

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