Credit Reports, Consumer Debt + Personal Finance

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17 Resource(s) Found

Debt Collection Lawsuit Responses

Will ask questions of the user to help produce forms to file with the Court in order to respond to certain types of debt collection lawsuits including Answer, Exceptions, Affirmative Defenses, etc.

How to Make a Budget Using A Simple Worksheet

Use this online worksheet to keep track of money coming in and your money going out each month.

Personal Finance Education and Money Help Tools

Educational games for youth and resources for teachers and educators, including curricula and lesson plans for teaching money management and financial capability.

Protecting Yourself Against Credit Card Fraud

Follow these tips from FTC to help protect yourself against credit card fraud.

Consumer Finance Tools

Learn more about your rights when it comes to money matters like auto loans, credit cards, debt collection, standard and reverse mortgages, and using credit cards and prepaid cards.

Glossary of English-Spanish Financial Terms

Online English-Spanish guide to words about money and finance.

Consolidating Federal Education Loans: Pros and Cons

This resource goes over the pros and cons of whether or not you decide whether a Direct Consolidation Loan is right for you. A Direct Consolidation Loan allows you to consolidate (combine) multiple federal education loans into one loan.

Credit and Loan Information

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.

Debts and Successions

This resource is about when a person dies, how creditors can hold the estate responsible for paying outstanding debts. Creditors may be able to collect payment for outstanding debts of beneficiaries from the distributions they get or from the executor/administrator for the estate.

Federal Trade Commission (FTC) Bureau of Consumer Protection

The FTC’s Bureau of Consumer Protection stops unfair, deceptive and fraudulent business practices by collecting reports from consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating consumers and businesses about their rights and responsibilities.

Financial Security for Older Adults

Use these resources to help older adults and their caregivers navigate some of the important decisions that can affect later-life financial security. Browse guides and information to help older adults make sound financial decisions, protecting savings and assets, and other financial challenges.

Immediate Steps to Repair Identity Theft

Here are some steps you can take right away if you are a victim of identity theft. There is information, sample letters to send out, and more.

Payday Loans

A payday loan is a type of short-term option to borrow where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck. Payday loans charge high interest rates for short-term immediate credit. They are also called “cash advance” loans or “check advance” loans.

Planning for Retirement

Balancing debt, retirement income, and assets becomes even more important to your financial security as you age.

Repair Or Dispute Your Credit Reports

If there is true information on your report that is bad for you, credit bureaus can usually only report for 7 years. They can report bankruptcy information for 10 years. More information about repairing or disputing your credit report.

Understanding your Credit Report

Your credit report is crucial when seeking to buy or rent a home, purchase or lease a car, buy insurance, or even get a job. Your credit report shows lenders how reliable you might be; and, if there are mistakes, you could miss out on things that are rightfully yours.

What Are Open Accounts?

A quick introduction to open accounts.

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