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Credit Education

billed for merchandise you never received? Here's what to do

You found the perfect set of linens in a mail order catalog. You call to place your order and charge it to your credit card. You're told that your linens should arrive in two weeks. Two weeks go by, then three and four, and still no linens. What you do get is your credit card bill with a charge from the catalog company.

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credit scoring factors

Ever wonder how your credit score is calculated? Fair, Isaac and Company (FICO), the biggest credit scoring company, makes clear exactly what factors it considers when determining credit scores. Most creditors and credit bureaus use Fair, Isaac's scoring system or have a system based on the Fair, Isaac system. According to Fair, Isaac, the factors considered in determining FICO scores are:

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how to use credit wisely

Credit card debt can spiral out of control. Here are some ways to protect yourself from getting in over your head.

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credit card protection

Most people have or will experience a problem with credit card bills at some point, such as a mysterious charge, missing merchandise, or identity theft. Federal law protects consumers in these situations. There are certain protections that you should be aware of.

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STOLEN CREDIT, ATM, OR DEBIT CARDS: WHAT TO DO

Many people find it easy and convenient to use credit cards and ATM or debit cards. The Fair Credit Billing Act (FCBA) and the Electronic Fund Transfer Act (EFTA) offer procedures for you to use if your cards are lost or stolen.

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co-signing a loan

What would you do if a friend or relative asked you to cosign a loan? Before you answer, make sure you understand what cosigning involves. Under federal law, creditors are required to give you a notice that explains your obligations. The cosigner’s notice states:

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tips for co-signers

Despite the risks, there may be times when you want to cosign. Your child may need a first loan, or a close friend may need help. Before you cosign, consider this information.

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American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling agency offering services such as debt advice, debt consolidation programs, and consumer bankruptcy counseling. We have provided thousands of families with financial counseling and helped them with consolidating bills and paying off credit cards. For consumers in need of bankruptcy counseling, ACCC is approved by the Department of Justice to provide both pre bankruptcy credit counseling and post-bankruptcy debtor education.

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