Library: Chinese | Freeze Your Credit File (Chinese) Leave ID Thieves Out in the Cold. “安全凍結”信用檔案是一種預防及避免身份被盜用的工具﹐它可以阻止詐騙者利用你的個人資料來建立信貸記錄。這本手冊內容詳述如何“凍結”個人信用檔案，而且除非你暫時或永久取消凍結﹐它就可以防止別人以你的名義申請信貸。

A credit file "security freeze" is a preventive tool to help you avoid identity theft and to block impostors from using your personal information to establish credit. This publication explains how to "freeze" your credit file, which prevents new credit from being established in your name until you temporarily or permanently lift the freeze. Filed Under: Privacy Rights Fraud/Scams Credit on Jul 06, 2008

Library: Chinese | Understanding Your Credit Score (Chinese) . 個人信用評分就是個人信用歷史的一個“寫照”。貸款公司﹑保險公司及其它相關行業用它來評估是否值得貸款給你﹐以及你是否會支付帳單和償還貸款。這本手冊內容有﹕何謂信用評分﹑如何解讀﹐以及如何保持或改善它。

Your credit score is a "snapshot" of your credit history that is used by lenders, insurers and others to assess your creditworthiness and the likelihood that you will pay your bills and repay outstanding loans. This publication explains how to learn your score, how to interpret it and how to maintain or improve it. Filed Under: Credit on Feb 26, 2008

Library: Chinese | Improve Your Credit - Put Bad Credit Behind You (Chinese)(2007) . 這本簡單易讀的手冊說明良好信用的重要性、信貸申請如不獲批准時的個人權利、如何查核個人信用報告﹑如果信用報告有錯誤時如何爭議﹐以及如何開始建立良好信用。

An easy-to-read brochure that explains why having good credit is important, your rights if your credit application is rejected, how to check your credit report, how to dispute mistakes on your credit report and how to begin to rebuild good credit. Filed Under: Credit on Jul 17, 2007

Library: Chinese | Building and Keeping Good Credit (Chinese) . 本文說明何謂信用記錄﹑什麼是信用報告﹑如何得到個人信用報告、如何建立良好信用﹐以及在發生困難時向哪一個機構投訴。

A fact sheet that explains what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem. Filed Under: Credit on Apr 01, 2006

Library: Chinese | Poor Credit means Higher Interest Rates - How to avoid bad loans (Chinese) . 此手冊內容是關於信用不佳者所能申請得到的“次級”貸款。當消費者信用太差時，他們的房屋、汽車或信用卡等貸款利率都會比一般的公平價目高，這些人很容易成為所謂掠奪性不良借貸交易的受害者。本文涵蓋合法貸款案例、不良借貸預警訊號、如何避免成為受害者、書面投訴方法及相關諮詢協助資源等。

This brochure addresses "subprime" loans offered to people with credit problems. While consumers with poor credit can find fairly priced mortgages, car loans and credit cards at higher-than-average rates, this population is easily victimized by very bad deals called predatory lending. This brochure covers illegal lending practices, warning signs of bad loans, how to avoid becoming a victim, filing a compaint and resources for advice and assistance. Filed Under: Credit on Apr 01, 2004

Library: Chinese | Giving Yourself Some Credit (Chinese) . 本文內容詳述何謂信貸﹑如何申請及使用等。同時說明信貸評級﹑信用報告機構﹐以及消費者定期查核個人信用報告是否正確無誤的重要性。也有解說何謂公平信貸法 (Equal Credit Opportunity Act).

An illustrated fact sheet describing what credit is, how to obtain it, and how to use it. Also describes credit ratings, credit bureaus, and the importance of consumers periodically reviewing a copy of their credit report for accuracy. Explains the Equal Credit Opportunity Act. Filed Under: Credit on Apr 02, 1993

Library: Chinese | California Immigrants and Credit (Chinese) . 本文專門向加州移民解說有關信貸問題: 申請資格﹑如何正確使用﹑如何避免發生問題等。而且針對貸款公司﹑信用記錄﹑信用報告機構﹑信用詐騙及信貸濫用等均有討論。內容並包括簡短的信貸專有名詞以及社區資源名單以便提供更多資訊。

A fact sheet designed to explain credit to California immigrants: how to qualify for it, how to use it properly, and how to avoid problems. Discusses creditors, credit history, credit bureaus, scams, and abuses. Includes a short glossary of credit terms and a listing of community resources for further information. Filed Under: Immigration Credit on Apr 01, 1993