Credit, Credit Cards & Debt

Order free consumer resources for your Hispanic Heritage Month celebration

The calendar says August: time for TV re-runs, back-to-school sales and the beginning of the futbol season. It’s also time to start planning for Hispanic Heritage Month.

The FTC has free resources to help people learn their rights and avoid fraud. Not sure where to start? Try some of our most popular publications. They’re about scams, online safety, identity theft, scams against immigrants, and managing your money. Continue Reading >

Russian hackers might have your info — now what?

You may have heard about it in the news: reports that Russian hackers have stolen more than a billion unique username and password combinations, and more than 500 million email addresses, grabbed from thousands of websites. What should you do about it? We asked our resident expert, Maneesha Mithal, director of our Division of Privacy and Identity Protection.

Q. How do you know if your information was part of this hack?  Continue Reading >

What consumers are telling us

Are you tired of getting telemarketing calls even though your number is on the national Do-Not-Call registry, or of running to pick up the phone only to be greeted by a pre-recorded sales pitch? You’re not alone. Our annual survey of state and local consumer protection agencies revealed that Do-Not-Call violations and other telemarketing abuses were the fastest-growing complaints they received in 2013. Continue Reading >

Credit scores: The higher, the better

The World Cup may be over, but it’s still important to know the score…your credit score, that is.

Ever wonder how a lender decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards, auto loans, and mortgages. These days, other types of businesses — including auto and homeowners insurance companies and phone companies — are using credit scores to decide whether to issue you a policy or provide you with a service, and on what terms. Continue Reading >

Stop a debt collector’s empty threats

Calls from debt collectors can add to the stress of having financial problems. When those calls involve harassment, threats and intimidation, the situation can get even worse — especially if you don’t know your rights. Continue Reading >

Debt Collection & the Latino Community: October 23 Roundtable in Long Beach, CA

On October 23rd, 2014, staff from the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB) will be at The Pointe Conference Center at California State University in Long Beach to co-host a roundtable featuring consumer advocates, industry leaders, state and federal regulators and academics. “Debt Collection & the Latino Community” will examine debt collection issues pertaining to Latino consumers who have limited English proficiency. Continue Reading >

Getting your house in order: Steps to take before you deploy

So you’ve just received orders, and you’re due to deploy. Before you go, there are a number of steps you should take to protect your family and financial future.

Know your rights.

The federal Servicemembers Civil Relief Act provides protection for active military servicemembers. The law’s purpose is to postpone or suspend certain civil obligations so active duty members of the Armed Forces can focus their full attention on their military responsibilities without adverse consequences for them or their families. Continue Reading >

Military Consumer Protection Day partners to host Twitter chat

To help celebrate the second annual MCPD, MilitarySaves, the Department of Defense, the Consumer Financial Protection Bureau and the Federal Trade Commission will host a town hall/Twitter chat at 2  p.m. EST, July 16. To join the conversation, which is focused on identity theft and credit-related issues, submit questions using the hashtag #MCPD2014

MCPD is part of Military Consumer, a year-round campaign to empower and engage servicemembers, veterans and their families with information related to pocketbook issues. Continue Reading >

Visit the FTC at the NCLR Annual Conference in Los Angeles

The FTC is going to sunny California!

If you are near Los Angeles July 19 – 22, visit the FTC booth at the National Council of La Raza (NCLR) annual conference! I’ll be there, with other bilingual staffers, to answer your questions relating to frauds and scams, as well as how to file a complaintContinue Reading >

Military consumers: Salutes to you!

Frequent relocation, separation from family and friends, the stresses of deployment and a steady paycheck from Uncle Sam can make military households an attractive target for scam artists. That’s why the Department of Defense, the Federal Trade Commission, the Consumer Financial Protection Bureau’s Office of Servicemember Affairs, and Military Saves have joined to sponsor Military Consumer — a campaign to empower military and veteran communities with tips and tools to be informed consumers.    Continue Reading >

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