Chinese Library: Credit Reports/Scores

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: 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 | Improve Your Credit -  Put Bad Credit Behind You (Chinese) . 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. Category: Credit Credit Fraud Credit Reports/Scores Credit Scores Fraud/Scams on Aug 28, 2012

Library: Chinese | Credit Reports and Credit Scores (Chinese) . 你的信用記錄在促成你的重要信貸目標中具有很深的影響力。你應該知道自己有哪些相關資料曾被人搜集,你應如何解說和加以改善,以及你應有的權益。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. Category: Credit Credit Cards Credit Reports/Scores Mortgages on Feb 15, 2011

Library: Chinese | Consumer Reports and Specialty Reports (Chinese) . 很多公司利用與信用相關的報告來推測你成為一位好員工,患病或申請保險理賠的機率有多高。你有權利知道其中到底收集了些甚麼資料,和針對不正確的內容提出爭議。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. Category: Credit Credit Reports/Scores Credit Scores Mortgages on Feb 15, 2011

Library: Chinese | Good Credit - Build it and keep it (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. Category: Credit Credit Reports/Scores Credit Scores Fraud/Scams on May 14, 2010

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

Library: Chinese | California Car Buyer’s Bill of Rights (Chinese) . 由2006年7月1日開始, 有一項重大的新聞是與加州購車者有關的。這項購車者權利法案將改變加州成千上萬的汽車買賣方式。
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. Category: Auto Lending/Insurance Credit Credit Reports/Scores Credit Scores on Jun 16, 2006

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