Credit, Credit Cards & Debt

Free NCPW events and resources in Ohio

Ohio Attorney General Mike DeWine is proud to join government and nonprofit organizations across the country to celebrate National Consumer Protection Week, March 2-8, 2014.  To learn about free events and information available to Ohioans - in addition to the events listed below - please visit the Attorney General's NCPW website.

In addition, the Federal Trade Commission (FTC) is marking its 2014 calendar for National Consumer Protection Week (NCPW). Continue Reading >

FTC hosts Twitter chat to answer consumer questions

To highlight National Consumer Protection Week, the FTC will host a Twitter chat to answer consumers’ questions about common scams on Tuesday, March 4 at 2:00 p.m. EST

The chat will cover scams involving government imposters, text and email, identity theft, working at home, timeshares and fake debt collectors.

Follow @FTC, and use the hashtag: #NCPW2014. See FTC Twitter chats to learn more. Continue Reading >

Keeping Your Credit Report in Check

Have you ever tried to pay for things with a check and the transaction was declined even though you had money in the bank?  It might be because a consumer reporting agency gave the retailer negative information about your credit history – including your checking account history – or indicated that you could be a bad credit risk for other reasons. Continue Reading >

Deceptive car ads can spin your wheels

“Only $99/Month” — If “only” were the truth. One thing’s for sure: There’s no shortage of advertising if you’re in the market for a new set of wheels. Continue Reading >

Order Your Materials in Time for NCPW!

If you’re on this site, you probably know that National Consumer Protection Week (NCPW) is an annual event to highlight free resources from government agencies and consumer advocacy organizations that can help people make smarter buying decisions and spot scams.  NCPW 2014 is March 2 – 8. Continue Reading >

Scammers Targeting Target Shoppers

If you’ve been following the news this holiday season, you’ve probably heard that Target shoppers may have been affected by the recent data breach. Target notified their customers of the breach via email. Continue Reading >

Shopping for Just the Right Gift

The clock is ticking, and you’re on the hook to find just the right gift this holiday season. Perhaps you’re shopping at the last minute; maybe the giftee is really picky; or, if you’re like I am, maybe you just don’t feel like dealing with wrapping paper! Regardless, a gift card or certificate may seem like a great solution: it’s a quick buy for you and it presents plenty of options for that person on your list. Continue Reading >

Avoiding Debt-Relief Scams

If you’re looking for a way to manage your debt, the last thing you need is to get ripped off by a company that promises to help. According to the Federal Trade Commission, that’s what happened to people who paid hundreds of dollars each to Southeast Trust, LLC. The company contacted people through illegal robocalls and claimed it was a non-profit group that could get them credit card interest rates as low as zero percent. Continue Reading >

Minimum Payments Can Undo a Deal

For many of us, the holiday season and shopping go hand-in-hand; it can be tough not to pounce on those big deals when you see them. But if you use a credit card to pay, remember you’re borrowing money you’ll have to pay back. What’s more, if you’re counting on making only your card’s minimum payment, you could end up paying much more in interest than you’d save on the deal. Continue Reading >

Can’t Fully Pay? Put it on Layaway

Eyeballing that chic dress in the store window, but don’t have enough cash on hand to buy it? Maybe you need that new set of tools, but your checking account is hovering around its minimum? If the store you’re buying from offers a layaway plan, you might consider using it when you don’t have all the money you need to pay for something you’d like to buy. Continue Reading >

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