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Resources & Tools

Credit Education

Understanding credit – how it works, how to use it, and how to improve your score – gives you more control over your financial situation. The articles in this section will help you use credit wisely, protect your credit score, and improve your financial decision-making.

Articles

Understanding Credit Reports

Learn how your credit report is created, how to address mistakes on your report, and what you can do to improve your credit score.

The Credit CARD Act New Rules

Understand your rights and the obligations of your credit card company when it comes to fees, interest rates, and limits.

The Credit CARD Act 101

The Credit Card Accountability, Responsibility, and Disclosure (CARD) Act protects the rights of credit cardholders. Learn about the provisions of this legislation and what you can expect from your credit card company.

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.

Fair Debt Collection

Understand how debt collection works, what debt collectors may legally do, and what you can do when contacted by a debt collector.

Fair Credit Billing

The Fair Credit Billing Act protects consumers from unfair practices of “open end” credit accounts such as credit cards and revolving charge accounts. Learn about your rights under this consumer protection legislation

Equal Credit Opportunity

The Equal Credit Opportunity Act ensures that all consumers have an equal chance to obtain credit. Learn about consumer protections under this law, and the types of practices that creditors may not engage in.

Credit Scoring Factors

There are lots of factors that go into identifying your credit score. Learn more about how your score is determined – and what you can do to improve it.

Tips For Co-Signers

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

Credit Card Protection

At some point, you are likely to encounter a problem with your credit cards, from mysterious charges to missing merchandise or identity theft. Learn about the federal laws that protect U.S. consumers in these situations.

Billed For Merchandise You Never Received?

It happens all the time in our online shopping economy: you place an order online, but the merchandise never arrives. All you get is a charge on your credit card. Learn about the steps you can take to get your money back.

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