Consumer Action Publications
Consumer Action creates award-winning free multilingual educational guides on a wide range of personal finance topics and other subjects of interest to consumers. Many publications are available in Chinese, Korean, Spanish and Vietnamese, as well as English. Each year, we distribute more than two million of our publications through a national network of 8,000 community organizations.
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2008
May
19
Freeze Your Credit File (Korean) Leave ID Thieves Out in the Cold. 신용 문서 "보안 동결"은 여러분이 신분도용의 피해를 당하지 않도록 하고 사기꾼들이 여러분의 개인 정보를 이용해 신용을 설정하는 것을 방지하는 데 도움을 주는 예방 도구입니다. 보안 동결은 여러분이 일시적 혹은 영구적으로 동결을 해제시키지 않는 한 여러분의 이름으로 새로운 크레딧이 설정되는 것을 방지합니다. 이 소책자는 여러분의 신용 문서를 "동결"시키는 방법을 설명하고 있습니다.
A credit file "security freeze" is a preventive tool to help you avoid identity theft and to block impostors from using your personal information to establish credit. This publication explains how to "freeze" your credit file, which prevents new credit from being established in your name until you temporarily or permanently lift the freeze.
State Credit Freeze Chart. Consumer Action has prepared a chart listing guidelines for placing a "security freeze" on your credit file.
April
24
Make Your Money Work For You (2007) (Chinese) Saving to Build Wealth. 本手冊提供的重要資料是關於:儲蓄、設定短期及長期儲蓄增長目標、開立儲蓄戶口及各種快速增加本金方法、定期存款(CDs)、美國政府債券、子女大學儲備金戶口等等。
This brochure provides information about the importance of saving, setting short- and long-term goals to promote saving, opening a savings account and ways to make your money grow faster, including certificates of deposit (CDs), individual retirement accounts (IRAs), U.S. Savings Bonds and college savings accounts.
01
Understanding Debit Cards Plastic with a difference. Debit cards look similar to credit cards, but they work differently. This publication explains how they work, what consumer protections exist and how cardholders can address problems with billing and unauthorized use.
March
27
26
24
Understanding Your Credit Score (Korean). 여러분의 신용 점수는 신용기록의 요약이며 대출기관이나 보험사 등과 같은 기관은 이 신용기록의 요약을 이용해 여러분을 신용할 수 있는 지 그리고 고지서 성실 납부와 대출 상환의 가능성이 어느 정도인지를 평가합니다. 이 소잭자는 신용 점수의 이해와 관리 요령에 대해 설명하고 있습니다.
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.
Qué significa su puntaje crediticio. Su puntaje crediticio es una representación de su historial de crédito en cierto momento que es utilizada por prestamistas, aseguradores y otros para evaluar su solvencia crediticia y la probabilidad de que usted pague sus cuentas y préstamos pendientes. Esta publicación explica cómo obtener su puntaje crediticio, entenderlo y poder mantenerlo o mejorarlo.
February
27
Understanding Your Credit Score (Chinese). 個人信用評分就是個人信用歷史的一個“寫照”。貸款公司﹑保險公司及其它相關行業用它來評估是否值得貸款給你﹐以及你是否會支付帳單和償還貸款。這本手冊內容有﹕何謂信用評分﹑如何解讀﹐以及如何保持或改善它。
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.