Chinese Library: Credit Reports/Scores
All Consumer Action publications are available online, with most also available as a PDF download. Government agencies, nonprofits and other community-based organizations who wish to distribute our publications for educational purposes can use the PDF file to instantly produce a professional-looking brochure using an office printer.
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.
Category: Credit Reports/Scores ID Theft on Oct 10, 2017
Library: Chinese | Money Management 1-2-3: ONE: Getting a Strong Start (Chinese) .
“Money Management 1-2-3: 你一生都應精明理財” ,這本系列手冊的詳述重點著重於初級,中級,和高級程度的基本理財技術方面。第一部份:慎重開始,詳列如何打理個人收入,明智使用信貸,與個人財富長久共存。主題內容包括:瞭解個人薪資單內容,編列預算,開立銀行帳戶,建立良好信貸紀錄,以及妥善處理個人學生貸款。
The “Money Management 1-2-3: Be Smart About Money All Your Life” series focuses on basic money management skills at the beginner, intermediate and advanced level. Part one, Getting a Strong Start, addresses how to manage your income, use credit wisely and live within your means. Topics include understanding your pay stub, filing your tax returns, creating a budget, setting up bank accounts, establishing and building good credit and managing student loans.
Category: Banking Credit Credit Reports/Scores Money Management Student Loans Taxes on Jul 29, 2016
Library: Chinese | Staying on Track With Credit (Chinese) How to use credit wisely.
對那些瞭解信貸的使用代價跟優點,以及懂得如何明智地使用信貸的消費者來說,信貸可以成為一種有用的財務工具。這本手冊解釋了「無限次」,又稱為循還式信貸,包括信用卡,房屋淨值信貸(HELOC: Home Equity Line of Credit)和支票透支信用額(Overdraft Lines of Credit),同時還討論使用信貸的好處及壞處。該手冊還包括如何避免使用高收費信貸的技巧。
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.
Category: Credit Credit Reports/Scores Credit Scores Money Management on Jul 09, 2009
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.
Category: Credit Credit Reports/Scores on Feb 26, 2008