Library: English | Security Freeze Training Manual Questions and Answers About Placing, Lifting & Removing a Freeze on Your Credit Report. This publication is part of a series on how you can protect yourself from identity (ID) theft by placing a security freeze on your credit files. A freeze also is a good idea for victims of ID theft. Category: Credit Credit Reports Fraud/Scams Privacy Rights on May 19, 2008

Library: English | State Credit Freeze Chart . Consumer Action has prepared a chart listing guidelines for placing a "security freeze" on your credit file. Category: Credit Credit Reports Fraud/Scams Privacy Rights on May 19, 2008

Library: English | Understanding Your Credit Score . 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. Category: Credit Credit Reports Credit Scores on Feb 26, 2008

Library: English | Questions & Answers About Subprime Lending . This eight-page training guide, written in a question-and-answer format, discusses subprime lending and its pitfalls from a consumer advocacy perspective. The guide covers risk-based pricing of loans, subprime loans, credit scoring, predatory lending, illegal practices, and how consumers can protect themselves and fight back if they become victims. Category: Credit Credit Reports Credit Scores on Apr 01, 2004

Library: English | Poor Credit means Higher Interest Rates - How to avoid bad loans . 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. Category: Credit Credit Reports on Apr 01, 2004

Library: English | Q&A About Financing a Car : Leader’s Guide . This Leader's Guide is designed to provide in-depth background on financing an auto purchase. Many consumers with late payments and other credit problems may face increased interest rates on car loans - but this doesn't mean that they should have to accept high-cost loans, unfair terms and deceptive sales pitches. The information contained in this manual can help staff members and community leaders counsel clients on purchasing and financing an automobile. Category: Automobiles Credit Credit Reports Credit Scores on Aug 26, 2003

Library: English | Get a Car Loan That's In Your Best Interest. If you are seeking financing for a new or used car, you have many options for financing even if you have a poor financial history. However, late payments and other credit problems signal lenders that you are a risky customer, which will increase the interest rates on loans available to you. Category: Automobiles Credit Credit Reports Credit Scores Insurance on Aug 26, 2003

Library: English | Questions & Answers About Privacy & Your Credit Report . Privacy abuses are on the increase, including credit fraud and identity theft, a fast-growing crime in which an impostor applies for credit under a victim's name. "Questions and Answers about Privacy and Credit Reports" offers in-depth information on privacy and credit reports, bank accounts and marketing as well as new laws designed to help people better control how their personal information is used. Category: Credit Credit Fraud Credit Reports Credit Scores Privacy Rights on Jun 24, 2003

Library: English | Privacy and Your Credit Report . Our personal financial information is more easily available and far less secure in the computer age than it was in the days of old-fashioned filing cabinets. "Privacy and Your Credit Report" explains why the information contained in your credit report can, in the wrong hands, be used to abuse your privacy. It also explains how California residents have strong privacy rights with new laws and an office of privacy protection. Category: Credit Credit Fraud Credit Reports Privacy Rights on Jun 23, 2003

Library: English | Credit Repair Scams They Make Your Money Disappear. An illustrated fact sheet that describes what a credit report is and how to find out what is in your credit report. Explains how to correct inaccurate information in your report and advises caution with credit repair companies and guaranteed credit claims. Category: Credit Credit Reports Fraud/Scams on Dec 27, 2000