Learn how your credit report is created, how to address mistakes on your report, and what you can do to improve your credit score.
Resources & Tools
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.
Understand your rights and the obligations of your credit card company when it comes to fees, interest rates, and limits.
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.
Credit card debt can spiral out of control. Here are some ways to protect yourself from getting in over your head.
Learn about what debt collectors may and may not do, and what to do if you believe a debt collector has violated the law.
Understand how debt collection works, what debt collectors may legally do, and what you can do when contacted by a debt collector.
Learn how to dispute a bill that is under the protection of the Fair Credit Billing Act.
Get answers to common questions about disputing a bill under the Fair Credit Billing Act.
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
Understand your rights as you apply for and use credit.
Learn what actions you can take if you suspect a creditor is discriminating against you.
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.
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.
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.
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.
Credit cards and debit cards offer great convenience – until they are lost or stolen. Learn what to do when your cards go missing.
Learn what you can do to keep your cards safe and to protect your finances.
Discover how a registration service can make life easier if your cards are lost or stolen.
Learn about what you can expect from your credit card issuer while you’re disputing your bill.
Learn how you can avoid problems with orders you place online, and how to resolve issues quickly.
Use this template letter to dispute an issue with your credit card for purchases that weren’t received.
Learn about the rules governing the actions of merchants as they ship merchandise, manage delays and issue refunds.
Learn about the rules governing the reporting agencies and about your rights under the Fair Credit Reporting Act.
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.
This practical guide offers concrete steps to take control of your financial situation and improve your financial future.