Credit, Credit Cards & Debt

What’s the true cost of a car title loan?

Have you seen a sign offering a car title loan — also known as a pink-slip loan, title pledge or title pawn? These loans use your paid-off car as collateral, and you get a small, short-term loan with a high interest rate. You usually have to repay the loan in 15 or 30 days, and the annual percentage rate (APR) is often more than 100%. Continue Reading >

Get ready for National Consumer Protection Week!

It’s about that time again. Are you ready?

Every year, National Consumer Protection Week (NCPW), encourages people and businesses to learn more about avoiding scams and understanding consumer rights. This year, NCPW takes place March 1-7, 2015. NCPW highlights free resources from government agencies and consumer organizations to help people make smarter buying decisions and spot rip-offs. Continue Reading >

How to solve your post-holiday consumer problems

The holidays are over. Hope you had a grand time! I know I did, but I also know a few people who are experiencing a bit of post-holiday frustration with products and services they bought. But never fear, the FTC is here with some tried and true tips to help resolve your problems. The fact is, most businesses want to keep you happy so you'll keep coming back. Continue Reading >

Top blog posts of 2014

It’s that time of year when everyone’s compiling their Best of 2014 list. We didn’t want to miss the fun so here’s our own list of the 10 Most Read Consumer Blog Posts of 2014.

10. Is that debt collector for real? told you about a company the courts shuttered for duping consumers into paying $3.5 million in debts they didn’t owe. Continue Reading >

Funding your holiday fun

It’s holiday season; time to visit family and friends, buy gifts and celebrate. It’s easy to get caught up in the excitement of sales and shopping, but if money is tight right now, you may wonder if you can afford all that holiday cheer. Before you start ringing up holiday expenses, make a budget and get a fix on your income, expenses and what you have to spend. Keep your budget — and long-term finances — in mind as you decide how to cover holiday expenses. Continue Reading >

Giving and getting gift cards this holiday season

Mark Twain once said, “Never put off till tomorrow what may be done day after tomorrow just as well.” If you live by this mantra, you might find yourself scrambling at the last minute to finish your holiday shopping this season. Enter the gift card. Continue Reading >

“Free credit scores” from One Technologies came at a price

“Free credit scores” sounds good, right? But what if you signed up for “free credit scores,” then found out you were enrolled in a credit monitoring program that costs $29.95 per month? Not so good. That’s what the FTC says happened with a company called One Technologies, Inc. Continue Reading >

Debt brokers expose sensitive financial info

Companies have left people’s sensitive personal and financial information in all the wrong places — in dumpsters, on car seats, and even in employees’ backpacks.

Now, the FTC has sued two debt sellers for posting spreadsheets with the sensitive information of more than 70,000 people on a public website, making it — along with information about a debt they might owe — available to anyone who happened on the site. Continue Reading >

Ready for the ho-ho-holidays? Let’s talk.

According to a recent survey, half of Americans dread holiday shopping. Whether you love or hate it, we’ll be in the thick of the season before you know it. Doing some advance planning can take the edge off that dread. If you’d like some tips on making the most of holiday shopping, join us for a Twitter chat with the Department of Defense's Military One Source, the Consumer Financial Protection Bureau, and Military Saves on Thursday, November 6 at 2:00pm, Eastern timeContinue Reading >

Check out the auto dealer and financing – before you sign

You want to buy a car and need financing, but your credit isn’t so great. Most dealerships have a Finance and Insurance (F&I) Department that will tell you about their financing options. To get the process started, the F&I Department will ask you to complete a credit application, which includes your monthly income and information on current credit accounts, including debt you owe. Continue Reading >

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