https://consumer.ftc.gov/consumer-alerts/2020/01/reading-your-credit-report
Reading your credit report | Consumer Advice
You’re getting your financial life in order in 2020. Yesterday, we explained how to get your credit report.
credit report consumerreading
https://consumer.ftc.gov/consumer-alerts/2020/07/promises-lower-credit-card-interest-rates-werent-true
Promises for lower credit card interest rates weren’t true | Consumer Advice
When you’re having trouble paying your credit card bills, getting a lower interest rate to keep your balance in check could be a game changer.
lower credit cardpromisestrue
https://consumer.ftc.gov/consumer-alerts/2018/10/new-credit-law-faqs
New Credit Law FAQs | Consumer Advice
You’ve heard about the new law that makes credit freezes free and fraud alerts last one year.
faqs consumer advicenewcredit
https://consumer.ftc.gov/consumer-alerts/2023/02/black-history-month-take-charge-your-credit
This Black History Month, take charge of your credit | Consumer Advice
black history monthtakecharge
https://consumer.ftc.gov/articles/sample-letter-credit-bureaus-disputing-errors-credit-reports
Sample Letter to Credit Bureaus Disputing Errors on Credit Reports | Consumer Advice
Use this sample letter to dispute mistakes on your credit report.
credit bureaus disputing
https://consumer.ftc.gov/what-know-about-prescreened-offers-credit-insurance
What To Know About Prescreened Offers for Credit and Insurance | Consumer Advice
Companies sometimes try to get new customers by sending “prescreened” offers. Learn how prescreening works and how to opt out.
knowofferscreditinsurance
https://consumer.ftc.gov/consumer-alerts/2019/07/equifax-data-breach-pick-free-credit-monitoring
Equifax data breach: Pick free credit monitoring | Consumer Advice
Just last week, the FTC and others reached a settlement with Equifax about i
equifax data breachpickfree
https://consumer.ftc.gov/consumer-alerts/2023/08/you-could-get-money-back-if-vivint-misused-your-credit-report
You could get money back if Vivint misused your credit report. | Consumer Advice
No company should misuse a person’s personal information — especially when it’s to open accounts for someone else. But that’s exactly what the FTC charged...
get money backcouldvivint
https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports
Disputing Errors on Your Credit Reports | Consumer Advice
You want your credit report to be accurate because it affects whether you can borrow money — and how much you'll pay — to borrow money.
credit reports consumererrors
https://consumer.ftc.gov/consumer-alerts/2022/03/ftc-says-credit-repair-operation-fleeced-its-clients
FTC says credit repair operation fleeced its clients | Consumer Advice
The last thing people who turned to Alex Miller Credit Repair for help needed was to end up in worse financial shape than when they began.
ftc sayscredit repairfleeced
https://consumer.ftc.gov/credit-loans-debt
Credit, Loans, and Debt | Consumer Advice
The official website of the Federal Trade Commission, protecting America’s consumers for over 100 years.
debt consumer advicecredit
https://consumer.ftc.gov/getting-utility-services-why-your-credit-matters-0
Getting Utility Services: Why Your Credit Matters | Consumer Advice
Getting utility services ― gas, electricity, water ― has a lot to do with your credit history. The better your credit history, the easier it can be for you to...
credit matters consumeradvice
https://consumer.ftc.gov/did-lender-offer-less-favorable-terms-or-deny-you-credit
Did a Lender Offer Less Favorable Terms or Deny You Credit? | Consumer Advice
Did you apply for credit and get turned down? Or did a lender offer you less favorable terms for credit? If so, they have to give you a notice with certain...
favorable termslenderoffer
https://consumer.ftc.gov/consumer-alerts/2019/06/military-consumer-free-electronic-credit-monitoring
For military consumer: Free electronic credit monitoring | Consumer Advice
If you’re in the military or know someone who is, you’ll want to read on.
military consumerfreecredit
https://consumer.ftc.gov/how-recognize-scams-lower-your-credit-card-interest-rate
How To Recognize Scams To Lower Your Credit Card Interest Rate | Consumer Advice
Some scammy debt relief companies promise to get you a lower credit card interest rate, claiming they can save you thousands of dollars.
credit card interestrecognize
https://consumer.ftc.gov/consumer-alerts/2020/01/credit-repair-fixing-mistakes-your-credit-report
Credit repair: Fixing mistakes on your credit report | Consumer Advice
If you’ve been reading our new year, new credit series, then you
report consumer advicecredit
https://consumer.ftc.gov/articles/lost-or-stolen-credit-atm-and-debit-cards
Lost or Stolen Credit, ATM, and Debit Cards | Consumer Advice
If your credit, ATM, or debit card is lost or stolen, federal law limits your liability for charges made without your permission, but your protection depends...
stolen credit atmdebit cards
https://consumer.ftc.gov/consumer-alerts/2020/07/deceptive-credit-card-interest-rate-reduction-offer
A deceptive credit card interest rate reduction offer | Consumer Advice
Monthly credit card bills can be a drag, especially when you’re feeling financially strapped.
credit card interestdeceptive
https://consumer.ftc.gov/consumer-alerts/2022/11/credit-card-debt-relief-wasnt
Credit card debt relief that wasn’t | Consumer Advice
Credit card debt can be stressful. Interest rates can be high, and if you miss or can’t make your full payments, that growing balance can be overwhelming....
credit card debtreliefadvice
https://consumer.ftc.gov/sample-letter-credit-bureaus-disputing-errors-credit-reports
Sample Letter to Credit Bureaus Disputing Errors on Credit Reports | Consumer Advice
Use this sample letter to dispute mistakes on
credit bureaus disputing
https://consumer.ftc.gov/consumer-alerts/2026/01/spot-scams-when-fixing-your-credit
Spot the scams when fixing your credit | Consumer Advice
If there’s information on your credit report that’s correct but not so great, it can make it harder to get credit with good terms. But there are things you can...
credit consumer advicespot
https://consumer.ftc.gov/consumer-alerts/2020/02/fraud-alerts-credit-freezes-whats-difference
Fraud alerts & credit freezes: What’s the difference? | Consumer Advice
Looking for ways to protect your identity? Two to options to consider are fraud alerts and credit freezes. But what’s the difference?
difference consumer advice
https://consumer.ftc.gov/consumer-alerts/2018/01/equifaxs-free-credit-monitoring-time-ticking
Equifax’s free credit monitoring - time is ticking … | Consumer Advice
Considering Equifax’s offer of free credit monitoring after its breach? You need to sign up by January 31, 2018.
free creditconsumer advice
https://consumer.ftc.gov/consumer-alerts/2025/09/get-credit-freeze-stop-identity-thieves
Get a credit freeze to stop identity thieves | Consumer Advice
Did someone steal your identity? Or are you looking for ways to help protect yourself from identity theft? A great place to start is freezing your credit....
credit freezestop identityget
https://consumer.ftc.gov/consumer-alerts/2021/11/child-tax-credit-scammers-are-still-reaching-out
Child Tax Credit scammers are still reaching out | Consumer Advice
Many people have gotten their advance Child Tax Credit payments this year, but scammers are taking advantage of this new program to try to trick you out of...
child tax creditscammersstill
https://consumer.ftc.gov/articles/free-credit-reports
Free Credit Reports | Consumer Advice
Learn how, why, and when to order copies of your free annual credit report.
credit reports consumerfree
https://consumer.ftc.gov/consumer-alerts/2024/08/only-scammers-say-theyll-remove-all-negative-information-your-credit-report
Only scammers say they’ll remove all negative information from your credit report | Consumer Advice
Is there information on your credit report that’s correct, but not so good? Don’t believe ads that promise an easy fix. There are ways to fix mistakes on your...
scammers sayremovenegative
https://consumer.ftc.gov/consumer-alerts/2019/07/capital-one-data-breach-time-check-your-credit-report
The Capital One data breach: Time to check your credit report | Consumer Advice
If you needed yet another nudge to start keeping an eye on your credit report to protect against identity theft, Capital One has delivered it with its...
capital onedata breachtime
https://consumer.ftc.gov/consumer-alerts/2018/01/paying-holiday-credit-card-debt
Paying off holiday credit card debt | Consumer Advice
You’ve opened all your gifts, and now it’s time to ope
credit card debtpayingholiday
https://consumer.ftc.gov/credit-scores
Credit Scores | Consumer Advice
Your credit score affects whether a company will give you credit and how much you’ll pay for it.
credit scoresconsumer advice
https://consumer.ftc.gov/credit-loans-and-debt/credit-and-debt
Credit and Debt | Consumer Advice
The official website of the Federal Trade Commission, protecting America’s consumers for over 100 years.
debt consumer advicecredit
https://consumer.ftc.gov/understanding-your-credit
Understanding Your Credit | Consumer Advice
We hear a lot about credit — credit reports, credit scores, credit freezes, credit monitoring. What does it all mean for you?
credit consumer advice
https://consumer.ftc.gov/lost-or-stolen-credit-atm-debit-cards
Lost or Stolen Credit, ATM, and Debit Cards | Consumer Advice
If your credit, ATM, or debit card is lost or stolen, federal law limits your liability for charges made without your permission, but your protection depends...
stolen credit atmdebit cards
https://consumer.ftc.gov/consumer-alerts/2023/10/you-now-have-permanent-access-free-weekly-credit-reports
You now have permanent access to free weekly credit reports | Consumer Advice
The three national credit reporting agencies — Equifax, Experian, and TransUnion — have permanently extended a program that lets you check your credit report...
credit reportspermanentaccess
https://consumer.ftc.gov/consumer-alerts/2018/06/free-credit-freezes-are-coming-soon
Free credit freezes are coming soon | Consumer Advice
Looking for stronger ways to protect your credit? Thanks to a new federal law, soon you can get free credit freezes and year-long fraud alerts.
coming soon consumerfree
https://consumer.ftc.gov/articles/credit-freezes-and-fraud-alerts
Credit Freezes and Fraud Alerts | Consumer Advice
Credit freezes and fraud alerts can help protect you from identity theft. They can also help stop someone who stole your identity from continuing to misuse it....
credit freezesfraud alerts
https://consumer.ftc.gov/getting-utility-services-why-your-credit-matters
Getting Utility Services: Why Your Credit Matters | Consumer Advice
Getting utility services ― gas, electricity, water ― has a lot to do with your credit history. The better your credit history, the easier it can be for you to...
credit matters consumeradvice
https://consumer.ftc.gov/consumer-alerts/2025/12/looking-fix-your-credit-illegal-credit-repair-scam-isnt-answer
Looking to fix your credit? An illegal credit repair scam isn’t the answer | Consumer Advice
Need better credit to do things like get a loan, buy a car, or rent an apartment? There are things you can do, but don’t believe a credit repair company that...
repair scamlookingfixcredit
https://consumer.ftc.gov/consumer-alerts/2022/04/give-yourself-some-credit-reports
Give yourself some credit (reports) | Consumer Advice
During Financial Literacy Month, we’ve focused on steps to protect your money by spotting and avoiding scams.
credit reports consumergive
https://consumer.ftc.gov/consumer-alerts/2020/01/getting-your-credit-report
Getting your credit report | Consumer Advice
Now that you know why credit matters, it’s time to get your credit in order.
credit report consumergetting