Credit Management Building a Better Credit Record Explains how consumer reporting agencies work and your rights under the Fair Credit Reporting Act. Explains how you can legally improve your credit report. Offers tips on dealing with debt. Cautions about credit-related scams and how to avoid them. Lists additional resources. Credit and Your Consumer Rights Brief explanation of your consumer rights under the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Electronic Fund Transfer Act, and the Fair Debt Collection Practices Act. Includes tips for solving credit problems. Fiscal Fitness: Choosing a Credit Counselor Explains how debt repayment plans work. Explains the difference between secured and unsecured debt. Provides a list of questions to ask when choosing a credit counseling agency. Knee Deep in Debt Explains debt management options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy.   Fraud Identity Crisis: What to Do If Your Identity or Stolen Explains what actions to take and who to contact if someone has assumed your identity. For More Information To order publications, contact: Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Ave, NW, Washington, DC 20580; or call toll-free 1-877-FTC-HELP (382-4357), TDD: 202-326-2502. You also may access FTC publications at www.ftc.gov on the Web. You can file a complaint with the FTC by contacting the Consumer Response Center by phone: 1-877-FTC-HELP (382-4357), TDD: 202-326-2502, by mail:600 Pennsylvania Ave, NW, Washington, DC 20580, or by e-mail: use the complaint form at www.ftc.gov . Although the Commission cannot resolve individual problems for consumers, it can act against a company if it sees a pattern of possible law violations.   OPM Home | Savings Education | Agency Services Division Home |

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