Freeze Your Credit File (Chinese) Leave ID Thieves Out in the Cold. “安全凍結”信用檔案是一種預防及避免身份被盜用的工具﹐它可以阻止詐騙者利用你的個人資料來建立信貸記錄。這本手冊內容詳述如何“凍結”個人信用檔案，而且除非你暫時或永久取消凍結﹐它就可以防止別人以你的名義申請信貸。

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.

Understanding Your Credit Score (Vietnamese). Ðiểm tín dụng là sự tường trình ngắn gọn về lý lịch tín dụng của quý vị được sử dụng bởi công ty cho vay mượn, bảo hiểm, và các công ty khác để đo lường tín dụng của quý vị và khả năng trả hóa đơn và các món nợ còn lại. Ấn bản này giải thích phương cách lấy điểm tín dụng của quý vị, diễn giải, và làm thế nào để giữ và cải thiện điểm tín dụng.

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.

Congele su expediente crediticio No permita el robo de identidad. El “congelamiento de seguridad” es una herramienta para ayudarle a prevenir el robo de identidad y evitar que impostores utilicen su información personal para establecer crédito. Esta publicación explica cómo “congelar” su crédito, lo cual previene que se establezca crédito nuevo a nombre suyo hasta que usted remueva el congelamiento por un tiempo o permanentemente.

Freeze Your Credit File (Vietnamese) Leave ID Thieves Out in the Cold. "Khóa an toàn" hồ sơ tín dụng là một phương thức ngăn ngừa giúp quý vị tránh bị trộm tín dụng và chận kẻ mạo danh dùng chi tiết cá nhân của quý vị để lấy tín dụng. Ấn bản này giải thích cách "khóa" hồ sơ tín dụng của quý vị, để ngăn ngừa tín dụng mới được gây dựng trên danh tính của quý vị cho tới khi quý vị tạm mở, hay tháo hẳn khóa tín dụng.

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.

Freeze Your Credit File - Powerpoint Slides. The Freeze Your Credit File Powerpoint File is available for download in the "Download File" section.

Credit Report Security Freeze - Training Packet. To provide participants with the knowledge to determine whether a security freeze is right for them and, if it is, how to place, lift and remove a security freeze. This PDF packet provides guidance for teachers and team leaders. The 11-page packet contains a detailed curriculum, classroom activities and take home worksheets.

Security Freeze Training Manual Questions and Answers About Placing, Lifting & Removing a Freeze on Your Credit Report. This publication is part of a series on how you can protect yourself from identity (ID) theft by placing a security freeze on your credit files. A freeze also is a good idea for victims of ID theft.

Freeze Your Credit File Leave ID Thieves Out in the Cold. 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.

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.

Be Careful Where You Get Credit - Powerpoint Slides. This presentation is a companion to the brochure "Watch Where You Get Credit," which compares various sources of credit—from credit unions to pawn shops.

Watch Where You Get Credit Not all credit is good credit. This publication explains the various sources of credit—from credit unions to pawn shops—and includes warnings about credit that consumers might want to avoid.

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.

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.

Understanding Your Credit Score. 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.

Recognizing Credit Card Fraud (Korean). 신용 카드 사기는 소비자가 신용 카드 번호를 낯선 사람에게 알려 줄때, 카드를 분실 혹은 도난 당했을 때, 우편물이 정해진 사람에게 가지 않고 사기범들 손에 들어 같을 때, 혹은 영업체의 직원이 카드나 카드 번호를 복사할 때 발생합니다. 이 소비자 행동 출판물은 신용 카드와 연관된 스키밍, 피싱, 신분 도용, 위조 카드 등과 같은 여러가지 형태의 사기에 대처하는 요령에 대한 정보를 제공합니다.

Credit card fraud happens when consumers give their credit card number to unfamiliar individuals, when cards are lost or stolen, when mail is diverted from the intended recipient and taken by criminals, or when employees of a business copy the card or card numbers of a cardholder. This new Consumer Action publication explains how to recognize and avoid many forms of fraud that involve credit cards, such as skimming, phishing, ID theft and counterfeit cards.

Cómo Reconocer El Fraude de Tarjeta de Crédito. El fraude de tarjeta de crédito ocurre cuando el consumidor le da el número de su tarjeta de crédito a un desconocido, cuando pierde o le roban las tarjetas, cuando el correo se desvía de su destinatario y se lo roba un delincuente, o cuando los empleados de una empresa hacen una reproducción de la tarjeta o del número de la tarjeta del cliente. Esta nueva publicación de Consumer Action explica cómo reconocer y evitar muchos tipos de fraudes que involucran tarjetas de crédito, como el copiado de banda magnética, phishing, robo de identidad y tarjetas falsificadas.

Credit Card Fraud - Lesson Plan. This updated packet provides guidance for teachers and team leaders. The 18-page packet contains a detailed curriculum, classroom activities and Phishing information. (Note: It is only available as a PDF file.)

Recognizing Credit Card Fraud. Credit card fraud happens when consumers give their credit card number to unfamiliar individuals, when cards are lost or stolen, when mail is diverted from the intended recipient and taken by criminals, or when employees of a business copy the card or card numbers of a cardholder. This new Consumer Action publication explains how to recognize and avoid many forms of fraud that involve credit cards, such as skimming, phishing, ID theft and counterfeit cards.

Recognizing Credit Card Fraud (Vietnamese). Mạo nhận thẻ tín dụng xảy ra khi người tiêu thụ đưa số thẻ tín dụng của họ cho người lạ mặt, khi thẻ bị mất hay bị trộm, khi thư gửi bị chuyển đi và lấy bởi kẻ gian, hay khi nhân viên của một kinh doanh sao chép thẻ hay số thẻ của người giữ thẻ tín dụng. Bản cẩm nang mới này của Consumer Action giải thích làm thế nào để nhận định và tránh nhiều phương sách mạo nhận liên quan đến thẻ tín dụng, như là việc cào lén (skimming), câu móc (phishing), trộm danh tính và các thẻ tín dụng giả mạo.

Credit card fraud happens when consumers give their credit card number to unfamiliar individuals, when cards are lost or stolen, when mail is diverted from the intended recipient and taken by criminals, or when employees of a business copy the card or card numbers of a cardholder. This new Consumer Action publication explains how to recognize and avoid many forms of fraud that involve credit cards, such as skimming, phishing, ID theft and counterfeit cards.

Credit Card Fraud - Powerpoint Training Slides. The Credit Card Fraud Powerpoint training file is available for download in the "Download File" section.

Questions and answers about credit card fraud Training Manual. This 24-page publication provides information about many aspects of credit card fraud and offers tips for recognizing fraud and preventing it. The guide also covers how to check your credit card billing statement, where to report credit card fraud and what to do when fraud strikes. A list of helpful resources is included.

Recognizing Credit Card Fraud (Chinese). 當消費者將信用卡號碼給了不熟識的人、信用卡遺失或遭竊、郵件被偷或被罪犯利用、公司職員複印他人信用卡或卡號，信用卡詐騙案就發生了。這本消費者行動最新發行的手冊提醒大家認明及避免形形色色有關信用卡之詐騙，例如：仿製信用卡、假冒騙取信用卡、身份盜用、偽造信用卡等等。

Credit card fraud happens when consumers give their credit card number to unfamiliar individuals, when cards are lost or stolen, when mail is diverted from the intended recipient and taken by criminals, or when employees of a business copy the card or card numbers of a cardholder. This new Consumer Action publication explains how to recognize and avoid many forms of fraud that involve credit cards, such as skimming, phishing, ID theft and counterfeit cards.

Improve Your Credit - Put Bad Credit Behind You (2007) (Vietnamese) Bỏ lại đằng sau tín dụng xấu. Một cẩm nang dễ hiểu giải thích sự quan trọng trong việc giữ tín dụng tốt, quyền lợi của quý vị khi bị bác tín dụng, làm sao kiểm soát bản báo cáo tín dụng, và làm thế nào để tranh cãi những sai lầm trong bản báo cáo tín dụng, và làm thế nào để cải tiến hạnh kiểm tín dụng.

An easy-to-read brochure that explains why having good credit is important, your rights if your credit application is rejected, how to check your credit report, how to dispute mistakes on your credit report and how to begin to rebuild good credit.

El crédito tributario por ingreso del trabajo. El Crédito Tributario por Ingreso del Trabajo (EITC, por sus siglas en inglés) ayuda a los contribuyentes activos de bajos ingresos y a sus familias a recibir más dinero en reembolsos cuando presentan su declaración federal de impuestos. Esta publicación contiene las pautas establecidas para el 2007.

Get Credit for Your Hard Work (Vietnamese) Low income working taxpayers may qualify for the Federal EITC. Chương Trình Điểm Thuế Lợi Tức (EITC) giúp người đóng thuế với lợi tức thấp và gia đình lấy được nhiều tiền về hơn khi họ khai thuế liên bang. Bản cẩm nang này cung cấp các hướng dẫn EITC cho năm thuế 2007.

The Earned Income Tax Credit (EITC) helps low income, working taxpayers and families get more money back when they file their federal income tax forms. This publication contains EITC guidelines for the 2007 tax year.

Building and Keeping Good Credit (2007) (Vietnamese) Tín Dụng Tốt. Một tờ thông tin giải thích hạnh kiểm tín dụng, báo cáo tín dụng là gì, làm sao có được một bản báo cáo tín dụng của quý vị, làm thế nào để có được hạnh kiểm tín dụng tốt và làm thế nào để khiếu nại khi quý vị gặp vấn đề.

A fact sheet that explains what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem.

Families and Credit Cards - Training Guide. This Training Guide is designed to help you help parents provide their children with a better understanding of how to use credit wisely and steer clear of credit trouble.

Families and Credit Cards - Powerpoint Presentation. This 19 slide presentation will help trainers with access to PowerPoint projectors when they hold a training on the Families and Credit Cards project. You can download the Power Point slides from the Download field below.

Get Credit for Your Hard Work (Korean) Low income working taxpayers may qualify for the Federal EITC. 근로 소득세액 공제 제도는 저소득 근로계층 납세자들이 연방세 관련 신청 양식을 제출할 때 보다 많은 돈을 환불 받을 수 있도록 도와줍니다. 이 소책자는 2007년 납세기간의 근로 소득세액 공제(EITC) 기준에 대해 설명하고 있습니다.

The Earned Income Tax Credit (EITC) helps low income, working taxpayers and families get more money back when they file their federal income tax forms. This publication contains EITC guidelines for the 2007 tax year.

Get Credit for Your Hard Work Low income working taxpayers may qualify for the Federal EITC. The Earned Income Tax Credit (EITC) helps low income, working taxpayers and families get more money back when they file their federal income tax forms. This publication contains EITC guidelines for the 2007 tax year.

Good Credit - Leader's Guide (2007). A guide to help community-based organization staff educate their clients about credit. Topics include credit reports, credit history, establishing good credit, credit scoring, credit fraud and more.

Building and Keeping Good Credit (2007)(Korean). 이 소책자는 신용 기록이 무엇인지 , 신용 보고서가 무엇인지, 신용 보고서를 얻는 방법, 좋은 신용을 쌓는 방법, 그리고 문제에 대해 이의를 제기하는 법 등에 대해 설명하고 있습니다.

A fact sheet that explains what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem.

Building and Keeping Good Credit (2007). A fact sheet that explains what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem.

Cómo Crear y Mantener Buen Crédito (2007). Un folleto que explica qué es el informe crediticio y cómo obtenerlo, la importancia de su historial de crédito, qué occure si le niegan su solicitud de crédito, cómo puede establecer buen crédito y dónde quejarse si tiene un problema.

Rebuilding Your Credit - Leader's Guide (2007). A guide to help community-based organization staff educate their clients about ways to start rebuilding good credit. Topics include damaged credit, credit reports, mistakes on your credit report, credit repair offers, debt consolidation, co-signing loans, secured credit cards, credit counseling, bankruptcy and how to keep your good credit.

Improve Your Credit - Put Bad Credit Behind You (2007)(Korean). 이 소책자는 좋은 크레딧의 중요성, 여러분의 크레딧 신청이 거부됐을 경우의 여러분의 권리, 크레딧 리포트를 체크하는 요령, 여러분의 크레딧 리포트상의 오류에 대한 이의 제기, 그리고 좋은 크레딧을 다시 쌓는 요령 등에 대해 설명하고 있습니다.

An easy-to-read brochure that explains why having good credit is important, your rights if your credit application is rejected, how to check your credit report, how to dispute mistakes on your credit report and how to begin to rebuild good credit.

Improve Your Credit - Put Bad Credit Behind You (Chinese)(2007). 這本簡單易讀的手冊說明良好信用的重要性、信貸申請如不獲批准時的個人權利、如何查核個人信用報告﹑如果信用報告有錯誤時如何爭議﹐以及如何開始建立良好信用。

An easy-to-read brochure that explains why having good credit is important, your rights if your credit application is rejected, how to check your credit report, how to dispute mistakes on your credit report and how to begin to rebuild good credit.

Improve Your Credit - Put Bad Credit Behind You (2007). An easy-to-read brochure that explains why having good credit is important, your rights if your credit application is rejected, how to check your credit report, how to dispute mistakes on your credit report and how to begin to rebuild good credit.

Deje Atrás El Mal Crédito - Mejore Su Crédito (2007). Un folleto fácil de leer que explica por qué es importante tener buen crédito, sus derechos si su aplicación de crédito es rechazada, cómo obtener su informe crediticio, cómo corregir errores en su informe crediticio y cómo comenzar a reconstruir su crédito.

Families and Credit Cards (Chinese). 這本社區教育手冊是專門為正在衡量給兒女信用卡是否有益的家長而編印的。各項主題範圍包括﹕青少年與信用卡﹑在帳戶上增加副卡持有人﹑附屬卡持有者規定﹑子女外出旅遊時的付款選擇以及瞭解良好信用的重要性。

This educational brochure is designed for parents who are weighing the merits of giving their children credit cards. The topics covered include youth and credit cards, adding cardholders to your account, secondary cardholder policies, payment options for kids while they’re traveling and helping young people understand the importance of good credit.

Bankruptcy (Korean) Your right to a financial fresh start. 파산법은 감당하기 힘든 부채를 가진 소비자들의 경제적 새출발과 체계적인 부채 청산을 위해 제정되었습니다. 이 소책지는 2005년 10월 개정 발효된 개인 파산법에 대해 설명하고 있습니다.

Bankruptcy laws were passed in order to give people a fresh start, and to give debt-burdened consumers an organized, systematic way of paying back creditors. This publication outlines new rules for filing personal bankruptcy that became effective in October 2005.

Información bancaria básica - En el banco está seguro (2007) . Un folleto que contiene una introducción básica sobre los servicios principales que ofrecen los bancos y las cooperativas de crédito. Esto incluye las cuentas de cheques, las cuentas de ahorro, los certificados de depósito y las tarjetas de débito. También incluye los pasos para abrir una cuenta y para resolver problemas.

Families and Credit Cards (Vietnamese). Cẩm nang này giúp đỡ phụ huynh đang nghĩ đến việc có nên cho con cái mình một thẻ tín dụng. Các đề mục bàn đến bao gồm trẻ em vị thành niên và thẻ tín dụng, cho thêm người sử dụng thẻ tín dụng vào trương mục tín dụng của quý vị, quy lệ cho người có thẻ phụ, cách thức trả tiền cho trẻ khi chúng đi xa nhà và giúp trẻ em vị thành niên hiểu sự quan trọng của việc tín dụng tốt.

This educational brochure is designed for parents who are weighing the merits of giving their children credit cards. The topics covered include youth and credit cards, adding cardholders to your account, secondary cardholder policies, payment options for kids while they're traveling and helping young people understand the importance of good credit.

Families and Credit Cards (Korean). 이 소책자는 자녀들에게 신용 카드를 발급해 주는 것을 고려중인 부모들에게 도움을 주기위해 제작되었습니다. 주요 내용은 청소년과 신용카드, 자신의 계좌에 카드 보유자 추가하기, 추가 카드 소지자 관련 규정, 여행중인 자녀들을 위한 카드 결제 그리고 청소년들을 위한 좋은 크레딧의 중요성과 올바른 이해 등 입니다.

This educational brochure is designed for parents who are weighing the merits of giving their children credit cards. The topics covered include youth and credit cards, adding cardholders to your account, secondary cardholder policies, payment options for kids while they're traveling and helping young people understand the importance of good credit.

Bankruptcy (Chinese) Your right to a financial fresh start. 破產法案得以通過是為了給人們一個新的開始﹐也是給債務困身的消費者一個有組織有系統的方法還債給貸款公司。

Bankruptcy laws were passed in order to give people a fresh start, and to give debt-burdened consumers an organized, systematic way of paying back creditors. This publication outlines new rules for filing personal bankruptcy that became effective in October 2005.

Families and Credit Cards. This educational brochure is designed for parents who are weighing the merits of giving their children credit cards. The topics covered include youth and credit cards, adding cardholders to your account, secondary cardholder policies, payment options for kids while they're traveling and helping young people understand the importance of good credit.

Familias y Tarjetas de Crédito. Este folleto educativo está diseñado para padres que están evaluando si darle a sus hijos tarjetas de crédito. Los temas que se tratan incluyen los jóvenes y las tarjetas de crédito, cómo agregar a otra persona a su cuenta, normas para titulares secundarios, opciones de pagos para los niños cuando están de viaje y cómo ayudar a la gente joven a entender la importancia del buen crédito.

Bankruptcy (Vietnamese) Quyền lợi của bạn khởi đầu lại tài chánh. Luật phá sản được thông qua để cho người dân một khởi đầu mới, và giúp người tiêu thụ mắc nợ một cách ngăn nắp, có hệ thống để trả nợ. Ấn bạn này vạch ra những quy định mới để khai phá sản cá nhân được áp dụng kể từ tháng 10 năm 2005.

Bankruptcy laws were passed in order to give people a fresh start, and to give debt-burdened consumers an organized, systematic way of paying back creditors. This publication outlines new rules for filing personal bankruptcy that became effective in October 2005.

Building and Keeping Good Credit (Chinese). 本文說明何謂信用記錄﹑什麼是信用報告﹑如何得到個人信用報告、如何建立良好信用﹐以及在發生困難時向哪一個機構投訴。

A fact sheet that explains what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem.

La Quiebra Su derecho a empezar de nuevo. Las leyes sobre quiebras fueron ratificadas para permitirle a la gente comenzar de nuevo, y para otorgarle a los consumidores abrumados por la deuda una manera organizada y sistemática de pagar a sus acreedores. Esta publicación detalla las nuevas reglas para declarar la quiebra personal que entraron en vigencia en octubre de 2005.

Bankruptcy Your right to a financial fresh start. Bankruptcy laws were passed in order to give people a fresh start, and to give debt-burdened consumers an organized, systematic way of paying back creditors. This publication outlines new rules for filing personal bankruptcy that became effective in October 2005.

Elder Fraud Leader's Guide Recognizing con games that target seniors. According to AARP, older people who fall for scams tend to believe the pitches they hear. Many believe they have a good chance of actually winning a prize or that the products they see advertised are worth the price. This manual is written in question and answer format to allow you to quickly find the answers to questions about the myriad of scams that target seniors.

Credit Cards - What You Need To Know (Korean). 모든 사람들이 크레딧 카드를 사용하지만 카드회사와의 카드 계약 조건에 대해 알고 있는 사람은 몇이나 될까요? 이 소책자는 여러가지 다른 종류의 카드에 대한 이해, 자신에게 가장 적합한 카드 선택 요령, 크레딧 카드 계약 조건의 이해, 불필요한 비용 및 벌금을 피하는 요령 등과 같은 도움을 주기위해 제작되었습니다.

Most people use credit cards—but do they know the terms of the agreement they have with their card issuer. This brochure is designed to help readers understand the different types of cards available; sort through offers to choose the card that's right for them; understand credit card terms and conditions, and avoid fees and penalty rates.

Credit Cards - What You Need To Know (Vietnamese). Hầu hết mọi người đều dùng thẻ tín dụng - nhưng họ có biết giới hạn và các điều kiện tín dụng với công ty cấp tín dụng. Cẩm nang này giúp người đọc hiểu rỏ hơn về các loại thẻ tín dụng; phân ra được những mời mọc để chọn thẻ thích hợp với người đó; hiểu biết giới hạn và điều kiện, và tránh chi phí và các phân phạt vạ.

Most people use credit cards—but do they know the terms of the agreement they have with their card issuer. This brochure is designed to help readers understand the different types of cards available; sort through offers to choose the card that's right for them; understand credit card terms and conditions, and avoid fees and penalty rates.

Credit Cards - What You Need To Know (Chinese). 很多人使用信用卡 ﹣但是他們明白信用卡公司合約書上面那些專業用詞嗎？本手冊的編排內容專為協助讀者了解各類信用卡，讓你分類挑選最適合自己的，並可看懂信用卡合約書專業用詞以及條件，避免付費及罰金。

Most people use credit cards—but do they know the terms of the agreement they have with their card issuer. This brochure is designed to help readers understand the different types of cards available; sort through offers to choose the card that's right for them; understand credit card terms and conditions, and avoid fees and penalty rates.

Credit Cards - What You Need To Know. Most people use credit cards—but do they know the terms of the agreement they have with their card issuer. This brochure is designed to help readers understand the different types of cards available; sort through offers to choose the card that's right for them; understand credit card terms and conditions, and avoid fees and penalty rates. Companion pieces include a training manual, training guide and PowerPoint slides.

Credit Cards - What You Need To Know - Training Manual. This training manual, written in question-and-answer format, will help give trainers the background they need to help participants understand how credit cards work and that the way they use credit cards can have an important impact on their overall credit.

Tarjetas De Crédito: Lo Que Usted Debe Saber. La mayoría de las personas usan tarjetas de crédito, ¿pero saben ellos los términos del acuerdo que tienen con el emisor de su tarjeta? Este folleto está diseñado para ayudar a los lectores a comprender los diferentes tipos de tarjetas disponibles; encontrar entre las ofertas la tarjeta adecuada para ellos; comprender los términos y condiciones de las tarjetas de crédito, y evitar recargos de tasas de interés.

Credit Cards - What You Need To Know - Training Guide. This 32-page training guide contains step-by-step guidance to conducting a two hour training, classroom activities and take-home worksheets. Each order for the Training Manual (see above) will be accompanied with a copy of the Training Guide. You may make as many copies of the Training Guide as you wish.

Credit Cards - What You Need To Know - Powerpoint Presentation. This 65 slide presentation will help trainers with access to PowerPoint projectors when they hold a training on the credit card project. You can download the Power Point slides from the Download field below.

Poor Credit means Higher Interest Rates - How to avoid bad loans. This brochure addresses "subprime" loans offered to people with credit problems. While consumers with poor credit can find fairly priced mortgages, car loans and credit cards at higher-than-average rates, this population is easily victimized by very bad deals called predatory lending. This brochure covers illegal lending practices, warning signs of bad loans, how to avoid becoming a victim, filing a compaint and resources for advice and assistance.

Questions & Answers About Subprime Lending. This eight-page training guide, written in a question-and-answer format, discusses subprime lending and its pitfalls from a consumer advocacy perspective. The guide covers risk-based pricing of loans, subprime loans, credit scoring, predatory lending, illegal practices, and how consumers can protect themselves and fight back if they become victims.

Poor Credit means Higher Interest Rates - How to avoid bad loans (Korean). 이 소책자는 크레딧에 문제가 있는 사람들에게 제공되는 '서브프라임' 융자에 대해 설명하고 있습니다. 나쁜 크레딧을 가진 소비자들도 평균보다 높지만 공정한 이자율의 주택 융자와 자동차 융자 그리고 크레딧 카드를 찾을 수 있는 반면에 이들은 약탈 융자라 불리는 악성 대출의 피해자가 되기 쉽습니다. 이 소책자는 불법 대출 관행과 나쁜 융자를 분별하는 법, 피해자가 되지 않는 법, 이의 제기하는 법 그리고 도움과 충고를 얻기위한 자료 등에 대한 정보를 제공하고 있습니다.

This brochure addresses "subprime" loans offered to people with credit problems. While consumers with poor credit can find fairly priced mortgages, car loans and credit cards at higher-than-average rates, this population is easily victimized by very bad deals called predatory lending. This brochure covers illegal lending practices, warning signs of bad loans, how to avoid becoming a victim, filing a compaint and resources for advice and assistance.

Poor Credit means Higher Interest Rates - How to avoid bad loans (Vietnamese). Bản cẩm nang này đề cập đến các món nợ "hạng kém" (subprime loans) cho người có vấn đề hạnh kiểm tín dụng. Khi người tiêu thụ với hạnh kiểm tín dụng kém có thể tìm được nợ nhà, nợ xe và tín dụng khá tốt với phân lãi cao hơn trung bình, những người tiêu thụ này dễ bị gạt bởi những giao dịch rất xấu bởi các công ty cho vay mượn cắt cổ. Cẩm nay này nói đến các phương sách cho mượn trái phép, những dấu hiệu trong các món nợ xấu, làm thế nào để tránh là nạn nhân, đề đơn khiếu nại và những hướng dẫn tìm cố vấn và giúp đỡ.

This brochure addresses "subprime" loans offered to people with credit problems. While consumers with poor credit can find fairly priced mortgages, car loans and credit cards at higher-than-average rates, this population is easily victimized by very bad deals called predatory lending. This brochure covers illegal lending practices, warning signs of bad loans, how to avoid becoming a victim, filing a compaint and resources for advice and assistance.

Questions & Answers About Privacy & Your Credit Report. Privacy abuses are on the increase, including credit fraud and identity theft, a fast-growing crime in which an impostor applies for credit under a victim's name. "Questions and Answers about Privacy and Credit Reports" offers in-depth information on privacy and credit reports, bank accounts and marketing as well as new laws designed to help people better control how their personal information is used.

Building or Repairing Your Credit with a Secured Credit Card. Even people with damaged credit may be able to obtain a secured credit card by depositing money in a savings account. This booklet explains what to look for when shopping for a secured credit card-and what to avoid.

Questions & Answers About Secured Credit Cards. This booklet gives in-depth background about secured credit cards, including how to find cards, features to avoid, costs and fees and how to successfully graduate to an unsecured credit card.

Rebuilding Good Credit - PowerPoint Training Slides. The Rebuilding Good Credit Powerpoint training file is available for download in the "Download File" section.

Keeping Your Bank & Credit Card Accounts Safe from Fraud A manual for community-based organizations. A manual designed to help staff members of community-based organizations educate their clients about avoiding fraud in banking and credit card transactions. Topics covered include banking on the Internet, avoiding financial scams, identity theft and using ATMs. Includes resources for victims of fraud.

Good Credit - Powerpoint Training Slides. The Good Credit Powerpoint training file is available for download in the "Download File" section.

Good Credit - Seminar Lesson Plan Packet. This PDF packet provides guidance for teachers and team leaders. The packet contains a detailed curriculum, classroom activities and take home worksheets.

Preventing Credit Card Fraud Learn how to protect yourself . A brochure that describes how crooks steal and use credit cards and card numbers, and also describes how to protect your card and what to do if your card has been stolen.

Credit Repair Scams They Make Your Money Disappear. An illustrated fact sheet that describes what a credit report is and how to find out what is in your credit report. Explains how to correct inaccurate information in your report and advises caution with credit repair companies and guaranteed credit claims.

Questions & Answers About Financial Services A Guide to Help You Educate Your Clients About the Value of Having a Bank Account. A guide to help community-based organization staff educate their clients about the value of having a bank account. Includes detailed information on banks, checking accounts, electronic transfer accounts (ETAs), credit unions, secured credit cards, loans to avoid and more.

Don't Be Fooled by Misleading 'Credit Repair' Claims!. An illustrated fact sheet that describes what a credit report is and how to find out what is in your credit report. Explains how to correct inaccurate information in your report and advises caution with credit repair companies and guaranteed credit claims.

Understanding Credit Card Costs Tips on Reducing Finance Charges. An illustrated fact sheet that explains how finance charges for credit cards are calculated, and shows how to reduce the cost of using credit cards. Includes a glossary of financial terms relating to credit cards.

California Immigrants and Credit (Russian). A fact sheet designed to explain credit to California immigrants: how to qualify for it, how to use it properly, and how to avoid problems. Discusses creditors, credit history, credit bureaus, scams, and abuses. Includes a short glossary of credit terms and a listing of community resources for further information.

California Immigrants and Credit (Vietnamese). Bài hướng dẫn giải thích tín dụng cho người di dân California: phương cách đạt tiêu chuẩn để lấy tín dụng, cách sử dụng đúng đằn, và phương cách tránh vấn đề xảy ra với tín dụng. Bài viết giải thích các cơ quan cho tín dụng, lý lịch tín dụng, cơ quan báo cáo tín dụng, mánh lới lường gạt và lạm dụng. Bài viết cũng đính kèm một bảng chú giải danh từ tín dụng và các nguồn hướng dẫn trong cộng đồng.

A fact sheet designed to explain credit to California immigrants: how to qualify for it, how to use it properly, and how to avoid problems. Discusses creditors, credit history, credit bureaus, scams, and abuses. Includes a short glossary of credit terms and a listing of community resources for further information.

California Immigrants and Credit (Korean). 이 자료는 캘리포니아주 이민자들에게 신용에 대해 설명하고 있으며 자격을 얻는 방법, 알맞게 사용하는 방법, 문제를 피하는 방법 등을 포함하고 있습니다. 또한 채권자, 신용 기록, 신용 관련 부서, 신용 사기, 그리고 신용의 악용 등에 대한 설명과 간단한 신용 관련 용어들에 대한 해설과 더 자세한 정보를 얻을 수 있는 지역 공급원 등에 대해 설명하고 있습니다.

A fact sheet designed to explain credit to California immigrants: how to qualify for it, how to use it properly, and how to avoid problems. Discusses creditors, credit history, credit bureaus, scams, and abuses. Includes a short glossary of credit terms and a listing of community resources for further information.

California Immigrants and Credit (Chinese). 本文專門向加州移民解說有關信貸問題: 申請資格﹑如何正確使用﹑如何避免發生問題等。而且針對貸款公司﹑信用記錄﹑信用報告機構﹑信用詐騙及信貸濫用等均有討論。內容並包括簡短的信貸專有名詞以及社區資源名單以便提供更多資訊。

A fact sheet designed to explain credit to California immigrants: how to qualify for it, how to use it properly, and how to avoid problems. Discusses creditors, credit history, credit bureaus, scams, and abuses. Includes a short glossary of credit terms and a listing of community resources for further information.

California Immigrants and Credit. A fact sheet designed to explain credit to California immigrants: how to qualify for it, how to use it properly, and how to avoid problems. Discusses creditors, credit history, credit bureaus, scams, and abuses. Includes a short glossary of credit terms and a listing of community resources for further information.

Where Can I Get Credit?. A fact sheet that explains various sources where consumers can obtain credit, such as banks, credit unions, finance companies and pawnbrokers.

Paying Your Bills - Consumers in Debt Series. A fact sheet that explains the importance of paying your bills on time, and how your history of payments affects your credit rating. Also discusses credit contracts, especially retail installment contracts, and credit cards.