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1-800MyMoney (1-800-696-6639) CA DRE license #0090947
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Presented to You by 1-800MyMoney.com LINKS from the FEDERAL TRADE COMMISSION “Facts for Consumers”
Learn how to legally improve your credit report, how to deal with debt, how to spot credit-related scams, and more. Explains credit card terms, how your balance is computed, and how to shop for the best deal. Outlines cardholder protections. Encourages recently divorced consumers, and those contemplating divorce, to look closely at issues involving credit. Understanding the different kinds of credit accounts opened during a marriage may help illuminate the potential benefits – and pitfalls – of each. Cautions consumers about companies that charge hundreds, even thousands of dollars, but don't deliver on their claims. Truth is, no one can legally remove accurate negative information from a credit report. Explains how to legitimately improve your creditworthiness. Explains the system creditors and insurance companies use to help determine whether to grant you credit or insurance, and on what terms. Provides tips on how to spot a scam and avoid losing your money. Rule number one: Legitimate lenders never "guarantee" or say that you are likely to get a loan or a credit card before you apply, especially if you have bad credit, no credit, or a bankruptcy. 8.5"x11", 2 pages. Steps to make it more difficult for a crook to capture your card or card numbers, and how to report losses and fraud. Credit Counseling and Debtor Education [PDF] Advises consumers about the new bankruptcy law requiring credit counseling before filing for bankruptcy and debtor education after filing. Explains your rights and steps to take to correct the problem. Includes a sample dispute letter. Learn how to legally improve your credit report, how to deal with debt, how to spot credit-related scams, and more. By law, your paper checks can be replaced with copies called "substitute checks" or other electronic items. Explains credit card terms, how your balance is computed, and how to shop for the best deal. Outlines cardholder protections. Lists your obligations if you decide to cosign on a loan for a friend or relative. At the top of the list: you may have to pay up to the full amount of the debt if the borrower does not pay. Outlines procedures for reporting loss or theft, and how to minimize your risk. Encourages recently divorced consumers, and those contemplating divorce, to look closely at issues involving credit. Understanding the different kinds of credit accounts opened during a marriage may help illuminate the potential benefits – and pitfalls – of each. Blocking often occurs when you use a credit or debit card to check into a hotel or rent a car. The clerk usually contacts the company that issued your card to give an estimated total. If the transaction is approved, your available credit (credit card) or the balance in your bank account (debit card) is reduced by this amount. Learn why blocking may be a problem, and how to avoid it. Explains credit laws that protect your right to obtain, use, and maintain credit. Offers practical tips to help you solve credit problems. The Rule prohibits many creditors from including certain provisions in consumer credit contracts. It also requires creditors to provide a written notice to consumers before they cosign obligations for others about their potential liability if the other person fails to pay. Explains how electronic check conversion works. Offers tips on keeping close tabs on your accounts. The Equal Credit Opportunity Act prohibits the denial of credit because of your sex, race, marital status, religion, national origin, age, or because you receive public assistance. The Fair Credit Billing Act establishes procedures for resolving billing errors on your credit card accounts. Includes sample dispute letter. Answers commonly asked questions about your rights under the Fair Debt Collection Practices Act, which requires that debt collectors treat you fairly and prohibits certain methods of debt collection.
Provides tips on how to spot a scam and avoid losing your money. Rule number one: Legitimate lenders never "guarantee" or say that you are likely to get a loan or a credit card before you apply, especially if you have bad credit, no credit, or a bankruptcy. 8.5"x11", 2 pages. Steps to make it more difficult for a crook to capture your card or card numbers, and how to report losses and fraud. Information About Credit Counseling and Debtor Education [PDF] Advises consumers about the new bankruptcy law requiring credit counseling before filing for bankruptcy and debtor education after filing. Explains your rights and steps to take to correct the problem. Includes a sample dispute letter. Learn how to legally improve your credit report, how to deal with debt, how to spot credit-related scams, and more. By law, your paper checks can be replaced with copies called "substitute checks" or other electronic items. Explains credit card terms, how your balance is computed, and how to shop for the best deal. Outlines cardholder protections. Lists your obligations if you decide to cosign on a loan for a friend or relative. At the top of the list: you may have to pay up to the full amount of the debt if the borrower does not pay. Outlines procedures for reporting loss or theft, and how to minimize your risk. Encourages recently divorced consumers, and those contemplating divorce, to look closely at issues involving credit. Understanding the different kinds of credit accounts opened during a marriage may help illuminate the potential benefits – and pitfalls – of each. Blocking often occurs when you use a credit or debit card to check into a hotel or rent a car. The clerk usually contacts the company that issued your card to give an estimated total. If the transaction is approved, your available credit (credit card) or the balance in your bank account (debit card) is reduced by this amount. Learn why blocking may be a problem, and how to avoid it. Explains credit laws that protect your right to obtain, use, and maintain credit. Offers practical tips to help you solve credit problems. The Rule prohibits many creditors from including certain provisions in consumer credit contracts. It also requires creditors to provide a written notice to consumers before they cosign obligations for others about their potential liability if the other person fails to pay. Explains how electronic check conversion works. Offers tips on keeping close tabs on your accounts. The Equal Credit Opportunity Act prohibits the denial of credit because of your sex, race, marital status, religion, national origin, age, or because you receive public assistance. The Fair Credit Billing Act establishes procedures for resolving billing errors on your credit card accounts. Includes sample dispute letter. Answers commonly asked questions about your rights under the Fair Debt Collection Practices Act, which requires that debt collectors treat you fairly and prohibits certain methods of debt collection. |
1-800MyMoney (1-800-696-6639) CA DRE license #0090947 |