Library: English | California Car Buyer’s Bill of Rights

California car buyers have important rights that have changed the way millions of cars are bought and sold in California.

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.

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.

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.

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.

Library: English | Building or Repairing Your Credit with a Secured Credit Card

Even people with damaged credit may be able to obtain a secured credit card by depositing money in a savings account. This booklet explains what to look for when shopping for a secured credit card-and what to avoid.

Library: English | Questions & Answers About Secured Credit Cards

This booklet gives in-depth background about secured credit cards, including how to find cards, features to avoid, costs and fees and how to successfully graduate to an unsecured credit card.

Library: English | Keeping Your Bank & Credit Card Accounts Safe from Fraud: A manual for community-based organizations

A manual designed to help staff members of community-based organizations educate their clients about avoiding fraud in banking and credit card transactions. Topics covered include banking on the Internet, avoiding financial scams, identity theft and using ATMs. Includes resources for victims of fraud.

Library: English | Preventing Credit Card Fraud: Learn how to protect yourself

A brochure that describes how crooks steal and use credit cards and card numbers, and also describes how to protect your card and what to do if your card has been stolen.

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.