Special Consumer Information
Alerts And Warnings
 

INDEX 

Article

Page

Cover Sheet

1

Index

2

Introduction

4

Advertisements Promoting Debt Relief May Be Offering Bankruptcy

5

Buying, Giving, and Using Gift Cards

7

Credit Card Loss Protection Offers: They're the Real Steal                

9

Credit Insurance: Is It For You?

10

Financial Readiness: As Critical as Fully Charged Batteries

12

How to Be the Class ‘Value-dictorian’                                                    

14

Just When You Thought It Was Safe...Advance-Fee Loan "Sharks"           

16

Knee Deep in Debt

17

Payday Loans = Costly Cash

23

The Secrets of Mystery Shopping Revealed

25

Shopping for a Home Equity Loan?

27

 

FACTS for CONSUMERS

A Consumer's Guide to E-Payments

31

Avoiding Credit and Charge Card Fraud

36

Before You File for Personal Bankruptcy: Information About
 Credit Counseling and Debtor Education

38

Billed for Merchandise You Never Received? Here's What To Do.

41

Building a Better Credit Report

46

Check 21: Substitute Checks, Electronic Processing, and What It Means to You

63

Choosing and Using Credit Cards

66

Cosigning a Loan

72

Credit, ATM and Debit Cards: What to do if They Are Lost or Stolen

74

Credit and Divorce

78

Credit and Debit Card Blocking

80

Credit and Your Consumer Rights

82

The Credit Practices Rule

87

Need Credit or Insurance? Your Credit Score Helps Determine What You’ll Pay

90

Electronic Banking

94

Electronic Check Conversion

101

Equal Credit Opportunity

104

Fair Credit Billing

108

Fair Debt Collection

112

 

FISCAL FITNESS

Choosing a Credit Counselor

115

For People on Debt Management Plans: A Must-Do List

120

Getting Credit What You Need To Know

124

Getting Credit When You Are Over 62

133

Giving the Bounce to Counterfeit Check Scams

138

Gold and Platinum Cards

141

Prescreened Offers of Credit and Insurance

143

Secured Credit Card Marketing Scams

146

The Truth About Advance-Fee Loan Scams

149

Understanding Vehicle Financing

152

Utility Credit

161

 

CREDIT REPORTS SECTION

Want a Free Annual Credit Report?

163

Bogus July 1 Email Exposed: The Real Deal on Your Credit File Privacy

165

Fake Credit Report Sites: Cashing in on Your Personal Information

167

Negative Credit Can Squeeze a Job Search

169

Shopping For a Mortgage? Your Application May Trigger Competing Offers

170

Buying a Home: It’s a Big Deal

172

 

IDENTITY THEFT

About Identify Theft

173

Recovering From Identify Theft

178

Minimize Your Risk

186

Detect Identity Theft

189

Filing a Complaint With The FTC

192

Resolving Specific Identify Theft Problems

195

Tools For Victims

204

Consumer Publications

206

Classic Cons

208

A Crook Has Drained Your Account: Who Pays?

213

Your Wallet: A Loser’s Manual

215