English 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.

Staying on Track With Credit

Library: English | Staying on Track With CreditHow 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.

Category: Credit Credit Reports/Scores Credit Scores Money Management on Jul 08, 2009

 
Good Credit - Seminar Lesson Plan Packet

Library: English | Good Credit - Seminar Lesson Plan Packet

This PDF packet provides guidance for teachers and team leaders. The packet contains a detailed curriculum, classroom activities and take home worksheets.

Category: Credit Credit Fraud Credit Reports/Scores Credit Scores Fraud/Scams on Jun 10, 2009

 
Understanding Your Credit Score

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/Scores Credit Scores on Feb 26, 2008

 
California Car Buyer’s Bill of Rights

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

California car buyers have important rights that have changes 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

 
Questions & Answers About Subprime Lending

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/Scores Credit Scores on Apr 01, 2004

 
Poor Credit means Higher Interest Rates - How to avoid bad loans

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/Scores on Apr 01, 2004

 
Questions & Answers About Privacy & Your Credit Report

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/Scores Credit Scores Fraud/Scams Privacy Rights on Jun 24, 2003

 
Privacy and Your Credit Report

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/Scores Fraud/Scams Privacy Rights on Jun 23, 2003

 
Credit Repair Scams

Library: English | Credit Repair ScamsThey 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/Scores Fraud/Scams on Dec 27, 2000

 
Don’t Be Fooled by Misleading ‘Credit Repair’ Claims!

Library: English | Don’t Be Fooled by Misleading ‘Credit Repair’ Claims!

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/Scores Fraud/Scams on Dec 27, 1996

 
 

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