You are here

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.

Free Credit Reports

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

Disputing Errors on Credit Reports

Accuracy is important when it comes to credit reports. Here’s how to order a free credit report, and dispute errors.

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.

Payday Loans

Payday loans can be a very costly way to borrow money when you factor in the interest rates and fees.

Credit Scores

Your credit score affects how much you'll pay for loans or insurance.

Prescreened Credit and Insurance Offers

Companies sometimes solicit new customers by sending “pre-screened” offers. Find out how prescreening works and what happens when you opt out.

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.

Sample Letter for Disputing Errors on Your Credit Report

Use this sample to draft a letter disputing errors on your credit report.

Protecting Against Credit Card Fraud

Use these tips to keep your credit card accounts safe from crooks.

Advance-Fee Loans

Some advance-fee loan and credit card offers have tell-tale signs that can help you avoid getting ripped off.

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?

When a Company Blocks Your Credit or Debit Card

Learn how to avoid holds on your money or credit.

Online Payday Loans

Online payday loans are expensive — and can be outright scams.

Sample Letter for Disputing Billing Errors

Use this sample to draft a letter disputing biling errors.

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.

Credit Insurance

If you apply for a mortgage or a personal loan, you may hear the term credit insurance. What is it and do you need it?

Sample Letter for Disputing Errors on Your Credit Report with Information Providers

Use this sample if you want to write a letter disputing certain information provided to credit reporting companies.

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.

Car Title Loans

What to know if you're considering a car title loan.

Dealing with a Weather Emergency: Getting Back on Your Feet Financially

List of contacts and practical steps to help you regain your financial footing.

Pension Advances: Not So Fast

If you’re looking for a way to generate cash to make ends meet, a pension advance may pique your interest. But before you sign on the dotted line, it’s important to know what you’re getting yourself into.

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.

Credit and Your Consumer Rights

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

Fixing Your Credit

What to know about how to fix errors on your credit report and avoid credit repair scams.

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.

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 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.

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.