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Credit and Loans

Decisions about credit and loans involve lots of factors, including how much money you need, what terms you’re offered, and who is behind the offer. If you are choosing a credit card or wondering whether offers of credit and loans are on the up and up, these tips can help.

Did a Lender Offer Less Favorable Terms or Deny You Credit?

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.

    Fixing Your Credit FAQs

    Here’s what to know about how to fix errors on your credit report and avoid credit repair scams.

    Sample Letter Disputing Errors on Credit Reports to the Business that Supplied the Information

    Use this sample letter to  dispute incorrect or inaccurate information that a business supplied to credit bureaus.

    Sample Letter to Credit Bureaus Disputing Errors on Credit Reports

    Sample letter to help you dispute mistakes on your credit report.

    Credit Scores

    Your credit score affects whether a company will give you credit and how much you’ll pay for it.

    Disputing Errors On Your Credit Reports

    The accuracy of your credit report is important because it affects whether you can — and how much you'll pay — to borrow money.

    Sample Letter for Disputing Credit and Debit Card Charges

    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.

    When a Company Declines Your Credit or Debit Card

    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.

    Prescreened Credit and Insurance Offers

    Companies try to get new customers by sending “pre-screened” offers. Find out how prescreening works and how to opt out.

    Free Credit Reports

    Learn how, why, and when to order copies of your free annual credit report.

    What To Know About Payday and Car Title Loans

    If you need money quickly, you may be considering a payday or car title loan. They can be risky and costly. Learn how they work.

    What To Know About Advance-Fee Loans

    Some companies promise you a low-interest loan or credit card, but want a fee first. They’re scams. Learn the warning signs.

    How To Get Back on Your Feet Financially After a Weather Emergency

    Includes a list of contacts and practical steps to help you regain your financial footing.

    Getting Utility Services: Why Your Credit Matters

    Getting utility services like gas, electricity, or water has a lot to do with your credit history and your credit score.

    How To Organize Your Finances in Times of Disaster

    Tips for organizing and safely storing your financial and personal papers, and how to replace important missing documents.

    Understanding Your Credit

    It’s important to understand what your credit is and how to protect it.

    Credit and Your Consumer Rights

    What to know about credit laws that protect your right to get, use and maintain credit.

    The Lowdown on So-called Gold, Platinum, and Pre-approved Credit Cards

    Be skeptical of gold, platinum, or pre-approved card offers that promise to get you a major credit card or improve your credit rating.

    Paying for College Bookmark

    Need money for college? Get the facts about financial aid and avoiding scams.

    Your Equal Credit Opportunity Rights

    The Equal Credit Opportunity Act prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

    Co-signing a Loan

    What are your obligations if you decide to co-sign on a loan for a friend or relative?

    Using a Credit Card

    It helps to know your rights and responsibilities when you use a credit card.

    Disputing Credit Card Charges

    Here’s how to resolve billing errors on your credit card accounts.

    Credit, Debit, and Charge Cards

    Before you pay with plastic, learn the differences between credit, debit, and charge cards, and get tips about how to shop for a credit card.

    Setting Out on Your Own

    Here’s how to create a basic budget.

    Lost or Stolen Credit, ATM, and Debit Cards

    Federal law limits your liability if your credit, ATM, or debit card is lost or stolen, but your liability may depend on how quickly you report the loss or theft.

    Credit Card Interest Rate Reduction Scams

    Want to lower the interest rate on your credit card balance? These tips can help.

    Credit Card Loss Protection

    Your liability for fraudulent credit card charges is $50, but that doesn’t stop scam artists from peddling “loss protection” services.

    Automatic Debit Scams

    Learn what can happen when you give your checking account number to a stranger who calls you.