Some of the following Consumer Action publications are available in bulk for non-profit or government agencies to distribute for educational purposes. Further info can be found on the How To Order Publications page.

Library: Korean | Get a car loan (Korean) That's in your best interest. If you are seeking financing for a new or used car, you could have many options 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 rate on the loans available to you. There are differences between lenders—so shop around to find the best deal. Filed Under: Automobiles Credit Credit Reports Credit Scores Insurance on May 23, 2017

Library: Korean | Debtors’ Rights (Korean) . This guide helps consumers understand how to communicate with a debt collector, what their rights and options are when faced with a debt collection lawsuit, steps to take to try to avoid legal action, where to find legal information and advice, the general process of responding to a lawsuit, their rights if they lose the case and how to file a complaint against a collector. Filed Under: Consumer Rights Credit Debt Collection on Dec 20, 2016

Library: Korean | The Fair Debt Collection Practices Act (Korean) How it restricts collectors and protects consumers. This concise guide to the Fair Debt Collection Practices Act (FDCPA) makes consumers aware of what collectors must do under the law, what they are allowed to do, and what they are prohibited from doing. It also provides information about getting a collector to stop contacting you, what your options are if a collector violates the FDCPA and where to get more information or personal assistance. Filed Under: Consumer Rights Credit Debt Collection Money Management on Sep 20, 2016

Library: Korean | Credit Reports and Credit Scores (Korean) . Your credit history has a significant impact on your ability to achieve important financial goals. Learn what information is collected about you, how to interpret and improve it, and what your rights are. Filed Under: Credit Credit Reports Credit Scores Mortgages on Feb 28, 2011

Library: Korean | Consumer Reports and Specialty reports (Korean) . Companies use consumer and specialty reports, much like credit reports, to determine such things as how likely you are to be a good employee, become ill or file an insurance claim. You have the right to see what is collected about you and to dispute inaccurate information.
Filed Under: Credit Credit Reports Credit Scores on Feb 28, 2011

Library: Korean | Improve Your Credit -  Put Bad Credit Behind You (Korean) . 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 Credit Fraud Credit Reports Credit Scores on Aug 28, 2010

Library: Korean | Good Credit - Build it and keep it (Korean) . 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 Credit Fraud Credit Reports Credit Scores on May 14, 2010

Library: Korean | Workplace Privacy (Korean) 근무 중 여러분의 권리 . To protect your personal privacy and your job, you should know when and how employers can monitor and gather information about you. This publication explains some of the situations in which monitoring might occur in the workplace and explains your privacy rights as an employee. Filed Under: Credit Privacy Rights on Dec 21, 2009

Library: Korean | Staying on Track With Credit (Korean) How to use credit wisely. Credit can be a valuable financial tool for consumers who understand its costs and benefits and how to use it wisely. This brochure defines open-ended, or revolving, credit, including credit cards, home equity lines of credit and overdraft lines of credit, and discusses the pros and cons of using credit. It includes tips on high-cost credit to avoid. Filed Under: Credit Credit Reports Credit Scores Money Management on Jul 10, 2009

Library: Korean | Freeze Your Credit File (Korean) Leave ID Thieves Out in the Cold. 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: Credit Credit Reports Fraud/Scams Privacy Rights on May 19, 2008

Library: Korean | Understanding Your Credit Score (Korean) . 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 Mar 24, 2008

Library: Korean | California Car Buyer’s Bill of Rights (Korean) . California car buyers have important new rights beginning July 1, 2006. The Car Buyer’s Bill of Rights will change the way millions of cars are bought and sold in California. Filed Under: Automobiles Credit Credit Scores on Mar 08, 2007

Library: Korean | Poor Credit means Higher Interest Rates - How to avoid bad loans (Korean) . 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: Korean | Giving Yourself Some Credit (Korean) . 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: Korean | California Immigrants and Credit (Korean) . 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: Credit on Apr 01, 1993

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