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  • Credit and Your Consumer Rights – Explains credit laws that protect your right to obtain, use, and maintain credit. Offers practical tips to help you solve credit problems.
  • Credit Card Loss Protection Offers – Since your liability for unauthorized charges is limited to $50, there's no need to buy loss protection insurance.
  • Credit Insurance: Is It For You? – Helps borrowers decide if credit insurance, which is usually optional, is right for them. Explains the four main types of credit insurance and offers shopping tips.
  • Credit Repair: Self-Help May Be Best – Explains how you can improve your credit worthiness and lists legitimate resources for low or no-cost help.
  • Equal Credit Opportunity – 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.
  • Fair Credit Billing – The Fair Credit Billing Act establishes procedures for resolving billing errors on your credit card accounts. Includes sample dispute letter.
  • Fair Debt Collection – Answers commonly asked questions about your rights under the Fair Debt Collection Practices Act. It prohibits debt collectors from using unfair or deceptive practices to collect overdue bills that your creditor has forwarded for collection.
  • Getting Credit: What You Need to Know About Your Credit – Provides tips on shopping for credit cards, using cards carefully, and keeping your credit record clean. Also explains credit reports and credit scores, how to protect your identity, improve your credit record, and what to do if you are a victim of identity theft. A good source of information for people learning about credit.
  • Getting Credit When You're Over 62 – Under the federal Equal Credit Opportunity Act, it's against the law for a creditor to deny you credit or terminate existing credit simply because of your age. Explains your rights and offers tips for applying for and maintaining credit.

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  • Gold and Platinum Cards – If you're looking for credit, be wary of some 'gold' or 'platinum' card offers promising to get you credit cards or improve your credit rating. Lists tip-offs to rip-offs.
  • Out of Work? How to Deal with Creditors – If you've recently lost your job, your first thoughts may be, "how will I make ends meet." The Federal Trade Commission spells out your rights when it comes to fair debt collection and credit reporting practices."
  • How to Dispute Credit Report Errors – Explains how to dispute and correct inaccurate information in your credit report. Includes a sample dispute letter.
  • How to File a Consumer Complaint about a Bank
  • Identity Theft – Identity theft is a federal crime. It occurs when one person's identification (which can include name, social security number, or any account number) is used or transferred by another person for unlawful activities. This booklet is designed to help you understand what identity theft is, how it happens, how to protect yourself, and what steps to take if your identity is stolen.
  • Keys to Vehicle Leasing
  • Loan and Credit
  • The Credit Practices Rule – 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.
  • Time-Barred Debts – Offers information on debt collection practices as they relate to debts that are past the statute of limitations.
  • Understanding Vehicle Financing – Get the facts on dealership financing - what it is, how you apply, special financing offers, cash back and rebates you may be eligible for, and more.
  • Vehicle Repossession – If your payments are late or you default on your contract in any way, your creditor or lessor may have the right to repossess your car. Learn what repossession may mean to you.
  • Your Access to Free Credit Reports – Learn how to order a free copy of your credit report from each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – once every 12 months.
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