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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.

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.

Disputing Credit Card Charges

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

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.

Credit Card Interest Rate Reduction Scams

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

Co-signing a Loan

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

Understanding Your Credit

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

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.

Using a Credit Card

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

Automatic Debit Scams

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

Setting Out on Your Own

Here’s how to create a basic budget.

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.

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.

Credit and Your Consumer Rights

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

Paying for College Bookmark

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

Free Credit Reports

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

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.

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.

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.

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.

Credit Scores

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

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.

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.

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.

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.

Sample Letter to Credit Bureaus Disputing Errors on Credit Reports

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

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.

Fixing Your Credit FAQs

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

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.