Credit Access, Credit Reports
Legal Information
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Advance-Fee Loan Scams: ?Easy? Cash Offers Teach Hard Lessons
The vast majority of lenders are owned and managed by legitimate professionals. But fraudulent loan brokers and other individuals misrepresenting the availability of credit and credit terms definitely are in business. One of their favorite strategies is the "advance-fee" loan. That's when they guarantee you'll get a loan or other type of credit - but you must pay before you apply. Content Detail
- By:
- Federal Trade Commission
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AnnualCreditReport.com - Restaurant Commercial (Video)
Anyone can dance a jig, but only AnnualCreditReport.com provides you with a truly free credit report. Its the only authorized source to get your free credit report under federal law. Read More
- By:
- Federal Trade Commission
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Consumer Debts and the Law
Do you owe someone money? Having trouble paying off your debt? This brochure can help you understand your rights as a consumer debtor. PDF document (may load slowly). Content Detail
- By:
- South Carolina Bar Association
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Credit
The use of credit is a way of life in the United States. At any one time, about three-fourths of American households have some form of debt, including credit purchases of cars, appliances, clothing, vacation trips and other goods and services. Just over two-fifths of households have loans secured by their homes—in other words, mortgages. This web site will help you understand the rules, regulations, and laws about consumer installment credit, designed to protect you, the consumer. Content Detail
- By:
- American Bar Association
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66 Ways to Save Money
This web site lists many ways to save money in transportation, food, housing, banking and other needs. From the Consumer Literacy Consortium, a working group of representatives from federal and state government agencies, consumer groups, business organizations, and educational institutions that seeks to develop and disseminate essential messages to inform and educate consumers. Content Detail
- By:
- Federal Trade Commission
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Credit and your Consumer Rights
A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Sometimes, things happen that can cause credit problems: a temporary loss of income, an illness, even a computer error. Solving credit problems may take time and patience, but it doesn’t have to be an ordeal. Content Detail
- By:
- Federal Trade Commission
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Credit - An FTC Consumer Law Web Site
This web site contains over 100 documents that deal with credit issues, including credit scams, privacy issues, identity theft, electronic banking and credit cards. The web site also contains information for businesses. The documents may be viewed and printed from the screen or printed in PDF format. Content Detail
- By:
- Federal Trade Commission
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Credit Cards and Charge Accounts
Lawline FAQ: A credit card is a convenience which lets the consumer buy goods and services without having to carry cash and checkbooks. This plastic card represents the legal agreement you have with a creditor such as a department store or bank. Content Detail
- By:
- South Carolina Bar Association
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Fast Facts - How to File a Complaint
PDF document (may load slowly). Content Detail
- By:
- SC Department of Consumer Affairs
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Fast Facts - SC Department of Consumer Affairs
PDF document (may load slowly). Content Detail
- By:
- SC Department of Consumer Affairs
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Foreclosure Bankruptcy Brochure PDF
A roadmap on how to handle foreclosures. Content Detail
- By:
- South Carolina Legal Services - Columbia
