Credit
Credit is a valuable financial tool. It allows you to buy expensive items without having to save for many years. However, credit can be dangerous, leading individuals into debt far beyond their ability to repay.
Information about Credit
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Avoiding Credit and Charge Card Fraud
Here are some tips to help protect yourself from credit and charge card fraud. -
Debit Card Frequently Asked Questions
Answers to frequently asked questions about Debit Cards. -
How To Place A Security Freeze and Fraud Alert
Information on how to place a security freeze and a fraud alert on your credit file from the Attorney General's Office.
Free Online Publications from the FTC
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Building a Better Credit Report
The Federal Trade Commission (FTC), the nation's consumer protection agency, has written this booklet to help explain how to build a better credit report. -
Your Access to Free Credit Reports (PDF)*
This free digital pamphlet from the FTC contains details about your rights under the The Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions (FACT) Act. -
Fake Credit Report Sites
You may have seen Web sites or received unsolicited email offering credit reports, sometimes for free. Be aware that some of these online operators may not actually provide credit reports, but may be using these sites as a way to capture your personal information. From there, they may sell your information to others who may use it commit fraud, including identity theft. Learn more about these Web sites by reading this flyer published by the FTC.
Free Credit Reports
- There's only one site you should use to obtain a free copy of your credit report - www.annualcreditreport.com.
Other Resources
- 51 Ways to Save Hundreds on Loans and Credit
- The FTC's Website on Credit
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Request Your Free Annual Credit Report
* This document is a PDF file, and you will need Adobe Acrobat Reader to view it. If you don't already have Acrobat Reader installed on your computer, you may download it for free from Adobe.
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