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Credit Cards | Credit Reports | Credit Ratings
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Last Updated: Sep 7, 2011 - 10:40:03 AM


Credit Cards | Credit Reports | Credit Ratings
FDIC: Protecting Your Finances If a Disaster Strikes: Are You Prepared?
Are your most important possessions insured and your financial documents protected from ruin? And if you had only a few moments to evacuate your home and could not return for several days or even weeks, would you have access to cash, banking services and the personal identification you need to conduct your day-to-day financial life?
Sep 7, 2011 - 10:33:07 AM

Announcements
Money Smart for Young Adults:FDIC Looking for Financial Educato
The FDIC is in the early phases of a research study to evaluate the  Money Smart for Young Adults  curriculum. This study will assess how the curriculum impacts participants' financial knowledge and behavior. We are looking for financial educators who plan to teach part or all of the curriculum sometime in the coming months and are willing to distribute a short assessment quiz to students before the start of the first class that uses Money Smart for Young Adults.
Sep 6, 2011 - 12:58:19 PM

Credit Cards | Credit Reports | Credit Ratings
Prepaid Cards: No Match for a Well-Managed Checking Account
Prepaid cards are generally reloadable and can be used for purchases at any merchant that accepts credit cards, and often for ATM withdrawals. But while prepaid cards (also known as stored value cards) have potential benefits, they also come with potential costs and concerns.
Jun 8, 2011 - 12:22:25 PM

Credit Cards | Credit Reports | Credit Ratings
Credit Reports: Consumer's Guide to Credit Reports and Credit Scores
Your credit history is important to a lot of people: mortgage lenders, banks, utility companies, prospective employers, and more. So it's especially important that you understand your credit report, credit score, and the companies that compile that information, credit bureaus. 
Nov 26, 2010 - 10:34:02 AM

Announcements
Loan Modification Scam: California Files Lawsuit
Brown filed the $60 million lawsuit against US Loan Auditors, My US Legal Services, and five individuals, including two attorneys, who operate a fraudulent mortgage audit scheme that preys on desperate homeowners anxious to save their homes.
Oct 7, 2010 - 2:50:37 AM

Credit Cards | Credit Reports | Credit Ratings
What If Your Bank Fails? First, Stay Calm
"While news that your bank has failed can be scary, federal law makes it clear that deposits within the federal insurance limits are completely safe," said Janet Kincaid, an FDIC Regional Ombudsman. "In addition, the FDIC works diligently - even before the bank is closed - to ensure that the event goes smoothly."
Sep 9, 2010 - 2:30:01 AM

Credit Cards | Credit Reports | Credit Ratings
Credit Card Interest Rate Scams: FTC Warns Consumers
In a new consumer alert, Credit Card Interest Rate Reduction Scams, the FTC says consumers have just as much clout with their credit card issuers as these companies do.  It urges consumers to avoid paying middlemen, and negotiate directly with the credit card companies.   
Apr 23, 2010 - 12:44:07 PM

Credit Cards | Credit Reports | Credit Ratings
Credit Repair and Mortgage Relief Service: Marketers Banned from Sellings
The court order prohibits the credit repair companies and their owners from selling credit repair services, and it bans the loan modification companies and their individual owners from selling mortgage loan modification and foreclosure relief services.
Apr 22, 2010 - 6:00:39 PM

Credit Cards | Credit Reports | Credit Ratings
Credit Repair Scammers Settle FTC Charges
A credit repair company that falsely claimed it would help boost consumers' credit ratings will settle Federal Trade Commission charges filed last year.
Mar 5, 2010 - 9:12:36 AM

Credit Cards | Credit Reports | Credit Ratings
Credit and Gift Cards in 2010: Changes Take Effect Feb 22
The Credit CARD Act is intended to help protect consumers from abusive fees, penalties, interest rate increases and other unwarranted changes in account terms. Companies will be required to make more disclosures and they face new limits on certain credit card practices.
Feb 8, 2010 - 11:11:18 PM

Credit Cards | Credit Reports | Credit Ratings
Credit Cards: New Law Protects Consumers
Starting on February 22, 2010, card issuers generally can't increase the Annual Percentage Rate or APR (the cost of credit expressed as a yearly rate.
Oct 26, 2009 - 10:27:56 AM

IRS Tax Tips
IRS Warns Taxpayers to Beware of First-Time Homebuyer Credit Fraud
The Internal Revenue Service today announced its first successful prosecution related to fraud involving the first-time homebuyer credit and warned taxpayers to beware of this type of scheme.

 

Aug 6, 2009 - 11:29:51 AM

Credit Cards | Credit Reports | Credit Ratings
Effective August 22, 2010, Section 148 of the Credit CARD Act1 requires that if a creditor increases the APR based on such factors
Effective August 22, 2010, Section 148 of the Credit CARD Act1 requires that if a creditor increases the APR based on such factors

 

Aug 3, 2009 - 11:16:05 AM

Credit Cards | Credit Reports | Credit Ratings
FBI Warning - Guard Your Financial Info

Customers of a telecommunications firm received an e-mail recently explaining a problem with their latest order. They were asked to go to the company website, via a link in the e-mail, to provide personal information-like their birthdates and Social Security numbers. But both the e-mail and the website were bogus.


Apr 4, 2009 - 8:41:22 PM

Announcements
New Video: AnnualCreditReport.com is the Only Authorized Source for Free Annual Credit Reports
Despite the musical claims of some TV commercials, the only authorized source to get your free annual credit report under federal law is AnnualCreditReport.com.  To reinforce this message, the Federal Trade Commission is featuring two new videos with their own catchy tunes
Mar 11, 2009 - 9:08:21 AM

Credit Cards | Credit Reports | Credit Ratings
U.S. Financial Crisis: American Recovery and Reinvestment Act of 2009
The United States is in the midst of a serious financial crisis. You can read full text of the American Recovery and Reinvestment Act of 2009 on the Thomas web sitefrom the Library of Congress.
Feb 10, 2009 - 9:43:02 AM

Announcements
The Cousins Are Back and They're Filing Online for Social Security Benefits
Michael J. Astrue, Commissioner of Social Security, and Patty Duke, Academy Award, Golden Globe and Emmy winning actress, today unveiled Social Security’s new online retirement application and launched the agency’s Retire Online campaign.
Jan 8, 2009 - 11:58:36 AM

Announcements
2008 Direct Loan School Guide
The Direct Loan School Guide is being reorganized and updated to reflect the regulatory requirements and electronic processes for the 2008-2009 award year.
May 22, 2008 - 9:45:46 PM

Credit Cards | Credit Reports | Credit Ratings
Credit Repair: FTC Charges Credit Repair Business with Violations
A home-buying consulting business that offers credit repair and home-buying consulting services has agreed to settle with the Federal Trade Commission for alleged federal law violations, including illegally charging an advance fee for credit repair and falsely claiming that they can remove negative information from consumers’ credit reports, even if the information is accurate and timely. At the Commission’s request, the U.S. Department of Justice (DOJ) filed the FTC’s complaint and proposed settlement in federal court
May 22, 2008 - 8:33:51 AM

Credit Cards | Credit Reports | Credit Ratings
Reducing Credit Card Offers
Preapproved credit offers are based on information in your credit report that indicates you meet criteria set by the credit offeror.
May 19, 2008 - 6:54:38 AM

Credit and Money Management
Money Smart for Young Adults
The FDIC’s Money Smart for Young Adults curriculum helps youth ages 12-20 learn the basics of handling their money and finances, including how to create positive relationships with financial institutions. Equipping young people in their formative years with the basics of financial education can give them the knowledge, skills, and confidence they need to manage their finances once they enter the real world.
Apr 15, 2008 - 8:11:51 AM

Announcements
Standard & Poor’s Boycott: Chiang Calls for State and Local Governments to Consider Standard & Poor's Boycott
As an option, we ought to consider boycotting Standard & Poor's until they constructively engage California and national municipal issuers on credit rating reform. The costs passed on from the current rating system to states, local governments and, ultimately, taxpayers across thecountry, are serious enough to consider not paying for the ratings unless municipal bonds are judged on an even playing field
Apr 8, 2008 - 6:54:11 AM

Announcements
Federal Government Announces Stimulus Tax Payments for 2008
The U.S. Federal Government has announced economic stimulus payments for 2008. Even if you are not otherwise required to file a U.S. Income Tax Return, you may still be entitled to an economic stimulus payment from the U.S. Federal Government.
Mar 10, 2008 - 12:07:46 PM

Credit and Money Management
A To-Do List for Fine-Tuning Your Finances
Any time is a good time to prioritize your financial goals and begin taking steps to achieve them. Here are suggestions to consider for your financial to-do list.
Feb 20, 2008 - 9:11:08 PM

Credit and Money Management
Building Your Financial House: The I.I.I.’s Free, Personal Finance Software Makes Keeping Track of Your Finances Easier than Ever
What would happen if you became ill and couldn’t make financial decisions to safeguard your family? Or if your family were unable to find vital records after your death? Have you done all you can to reduce your debt while saving for the future? The Insurance Information Institute’s (I.I.I.) free, downloadable personal finance software can help you put your financial house in order.

Jan 25, 2008 - 11:27:58 AM

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