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Credit and Loans

Decisions about credit and loans involve lots of factors, including how much money you need, what terms you’re offered, and who is behind the offer. If you are choosing a credit card or wondering whether offers of credit and loans are on the up and up, these tips can help.

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Free Credit Reports

How, why, and when to order the free copies of your credit report you’re entitled to from each of the nationwide credit reporting companies.

Disputing Errors on Credit Reports

Accuracy is important when it comes to credit reports. Here’s how to order a free credit report, and dispute errors.

Advance-Fee Loans

Some advance-fee loan and credit card offers have tell-tale signs that can help you avoid getting ripped off.

How Credit Scores Affect the Price of Credit and Insurance

Your credit score affects how much you'll pay for loans or insurance.

Fair Credit Billing

Here’s how to resolve billing errors on your credit card accounts.

Prescreened Credit and Insurance Offers

Companies sometimes solicit new customers by sending “pre-screened” offers. Find out how prescreening works and what happens when you opt out.

Payday Loans

Payday loans can be a very costly way to borrow money when you factor in the interest rates and fees.

Employment Background Checks

Your application for a job means an employer can check your credit report. Here are some things to know.

Protecting Against Credit Card Fraud

Use these tips to keep your credit card accounts safe from crooks.

Credit Card Interest Rate Reduction Scams

Want to lower the interest rate on your credit card balance? These tips can help.

Your Equal Credit Opportunity Rights

The Equal Credit Opportunity Act prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.