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Your Debts and Debt Collectors You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a “debt collector.” A debt collector is any person, other than the creditor, who regularly collects debts owed to others, including lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors. Your Credit Billing and Electronic Fund Transfer Statements With the increased use of credit cards, electronic banking, and internet buying, checking your bills is of the utmost importance. Identity theft is rampant and checking your accounts regularly is your best defense against losing your good credit. Your Credit and Your Rights A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. What To Do If You Have Credit Problems Here are some basic steps to take if you have credit problems. What To Do About Negative Information In Your Credit Report Do you know what the laws are regarding negative information in your credit report? What Kind Of Credit Card Should You Get? There are many choices in credit card land. How do you make an educated decision? What Is Utility Credit? Will you be left in the dark if you can't get utility credit? What Is The Truth about Credit Repair? Got bad credit? Want to get it repaired? Can you handle the truth? What Is The Credit Repair Organizations Act? Do you know what your credit rights are? What Is Credit and Debit Card Blocking? What is credit or debit card blocking and how does it affect you? What Do You Need To Know to Apply for a Credit Card? All credit cards are not the same. You need to find one that matches you and your spending habits. What Do You Do When You Finally Pay Off Your Credit Card Debt? After you pay off credit card debt, you may want to consider putting all of your credit cards in the blender and turning them into mulch. The weight of the credit card debt is finally off of your shoulders and you don't want to go through it again. What Do You Do If Your Credit or Debit Card is Lost or Stolen? Many people find it easy and convenient to use credit cards and ATM or debit cards. The Electronic Fund Transfer Act (EFTA) and the Fair Credit Billing Act (FCBA) offer procedures for you to use if your cards are lost or stolen. What Can I Do To Improve My Credit Score? Credit scoring systems are complex and vary among creditors or insurance companies and for different types of credit or insurance. If one factor changes, your score may change — but improvement generally depends on how that factor relates to others the system considers. Only the business using the scoring knows what might improve your score under the particular model they use to evaluate your application. What Are Prescreened Offers of Credit and Insurance? You may call it junk mail or it may be the answer to your financial woes. Things To Consider When Buying A Car You have made the decision to buy a car, but how will you pay for it? There Is No Quick Fix For Improving Your Credit Report It takes time to repair you credit – it can't be done overnight. The Real Steal - Credit Card Loss Protection Offers If you lose your credit card or have it stolen – how much money are you responsible for? Know how much you are liable for and avoid the scam artists. Don’t be fooled by high pressure phone calls offering worthless protection. Some Credit Information You May Not Know Here is some credit information that you may not have heard of before. Solving Your Credit Problems Your credit report can influence your purchasing power, as well as your opportunity to get a job, rent or buy an apartment or a house, and buy insurance. Should You Get A Gold Or Platinum Credit Card? What are the benefits of having a gold or platinum credit card? Self Help May Be Best When It Comes To Credit Repair Should you seek assistance from a credit card repair company or attempt to fix your credit yourself? Secured Credit Card Marketing Scams Beware of secured credit card marketing scams – the bad guys want your money. Receiving Your First Credit Card You applied for and received your first credit card – now what? Questions to Ask When Choosing a Debt Management Counselor Have you reached a point in your life where you need a Debt Management Program (DMP)? Questionable Credit Repair Offers Are you trying to get your credit repaired? You should read this. Nothing But The Real Truth About Credit Repair Don’t believe everything you see in the papers or hear on TV about credit repair. Negative Credit Can Affect Your Job Search Many employers run credit checks before hiring new employees. Need Credit or Insurance? Your Credit Score Helps Determine What You’ll Pay How important is your credit score? It can determine your credit card interest rate, insurance costs, and even your mortgage loan rate. Is Credit Insurance For You? Should you purchase credit insurance the next time you take out a loan? Is a Home Equity Line of Credit Right For You? Using a credit line to borrow against the equity in your home has become a popular source of consumer credit. And lenders are offering these home equity credit lines in a variety of ways. Improve Your Credit Score By Correcting Your Credit Report If you are looking to buy a house or purchase a car, a credit check will be conducted on you. If your credit report is incorrect, you may not be able to get that house or car that you want. Make sure your credit info is correct. How To Use The Fair Credit Billing Act (FCBA) To Your Advantage Have you ever been billed for merchandise you returned or never received? How to Spot Credit Repair Scams And Correct Your Credit History Yourself With the sub-prime meltdown, the credit repair scam artists will be out in full force. How To Spot Credit Repair Scams Spotting credit-repair scams is getting harder every day. How To Protect Your Debit and Credit Cards The best protections against card fraud are to know where your cards are at all times and to keep them secure. For protection of ATM and debit cards that involve a Personal Identification Number (PIN), keep your PIN a secret. Don't use your address, birth date, phone or Social Security number as the PIN and do memorize the number. Become familiar with the Fair Credit Billing Act (FCBA) and the Electronic Funds Transfer Act and know what your liability is. How To Improve Your Credit Report Getting your credit score higher is the key to better rates. How To Dispute Mistakes On Your Credit Report Credit card reporting companies can and do make mistakes on your credit report. How To Choose and Use Credit Cards Chances are you've gotten your share of "pre-approved" credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept "before the offer expires." Before you accept, shop around to get the best deal. How To Avoid Credit And Charge Card Fraud A thief goes through trash to find discarded receipts or carbons, and then uses your account numbers illegally. How Do You Establish A Credit History? Getting credit can be a real Catch-22. You need credit to get credit. If you don’t have credit, you can't get credit. What do you do? How Do You Dispute An Error On Your Credit Card? Have you ever ordered something and gotten billed for it but didn’t receive the merchandise? What do you do next? Fiscal Fitness For 2008: Choosing a Credit Counselor Choosing a credit counselor may be the most important decision you make. Fake Credit Report Sites May Be Cashing in on Your Personal Information You may have seen web sites or received unsolicited email offering credit reports, sometimes for free. Fair Debt Collection Practices Act And You If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." Ever Receive A Credit Card In The Mail? If you receive a credit card in the mail, what do you do with it? Ever Have A Problem With Your Credit Card Company? What do you do if your credit card bill is incorrect? Equal Credit Opportunity – What Can Creditors Do? Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. Creditors have rules to follow – so make sure you know the rules and ensure that they are followed. Don’t Despair With Credit Repair Having credit card debt may seem like the end of the world, but, there are steps you can take to repair your poor credit. Do You Really Know How to Improve Your Credit? Repairing your credit is not a quick fix. It takes time, planning, and budgeting. Do You Qualify For a College Student Credit Card? Credit card companies are looking for loyal customers and have started marketing to high school and college students. Do You Need Credit or Insurance? Your credit score helps determine what you’ll pay for credit or insurance. Divorce and Credit–Are You Liable? Getting a divorce can be painful for both parties and can be even more painful if you have joint credit cards. Credit Report Questions and Answers What is a credit report (also known as a credit file or profile)? Credit Repair: Don't Get Scammed Can you really repair bad credit? Yes, but it will take time and persistence. No matter what you see or hear, there is no quick fix. Credit Repair Scams: The Warning Signs I am sure that you have seen the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims: Credit Insurance: Is It Right for You? The next time you apply for a mortgage or personal loan, you may be asked if you want to buy credit insurance, or it might already be included in your loan proposal. Should you get credit insurance or can you live with it? Only you can answer that question. Credit Card Reports Questions And Answers If you plan to get a credit card or if you already have a credit card, you need to know the law. Credit Card Rates And APR's Do you know how much you are really paying in credit card interest? Credit Card Questions And Answers When choosing a credit card you should ask yourself some questions. Credit - You Have The Right To... Know your rights - your credit rights. There are laws to protect you - but - you have to know the law. Comparing Credit Cards and Choosing the Card for You All across the United States, there are hundreds and hundreds of banks and credit card companies looking for your business. This day and age, banks and credit card companies are in competition with each other, trying all they can to get your business. To try and get your business, they offer different credit cards with various incentives, rebates, and other perks. Choosing Your Credit Card Based On APR The first step in choosing a credit card is thinking about how you will use it. Choosing And Using Credit Cards What are all the terms in all of those pre-approved credit card offers I keep receiving? Check That Pre-Approved Credit Card Offer Chances are you've received "pre-approved" credit card offers in the mail. Examine the fine print carefully before you accept any offer for a credit or charge card. Be Aware Of Automatic Debit Scams Fraudulent telemarketers have found yet another way to steal your money, this time from your checking account. Are You Managing Credit And Debt Or Is It Managing You? Who is in control – you or your credit card? Are Credit Card Loss Protection Offers Worth It? If someone steals your credit card and starts charging away, how much are you liable for? Applying for Credit – A Regular Catch-22 We live in a Catch-22 world. You can’t establish credit unless you have credit. You can’t get a loan until you have a history of good credit – but – how do you get a credit to begin? Being a good shopper and always paying with cash will come back to haunt you when you want to make a major purchase – like a car or a house. Anyone Can Qualify For A Major Credit Card Is it really true that anyone can qualify for a major credit card? American Express Blue Or Green Credit Cards Green or Blue? Which American Express card is right for you? Always Protect Your Credit Cards You are the first line of defense for your credit cards. These are the things you can do to minimize your risk. A problem called ‘Credit Card Debt ‘ Credit card debt is running rampant across America and there is only so much you can do. A Negative Credit Report Can Squeeze a Job Search If you are looking for a job and have bad credit you may not get hired.

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