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Privacy Choices for Your Personal Financial Information

Financial companies share information for many reasons: to offer you more services, to introduce new products, and to profit from the information they have about you.

Jennifer Hudson

January 10, 2020

Before You File for Personal Bankruptcy:

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 launched a new era: With limited exceptions, people who plan to file for bankruptcy protection must get credit counseling from a government-approved organization within 180 days before they file. They also must complete a debtor education course to have their debts discharged.

Jennifer Hudson

January 10, 2020

Credit and Your Consumer Rights

A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Sometimes, things happen that can cause credit problems: a temporary loss of income, an illness, even a computer error.

Jennifer Hudson

January 10, 2020

Fiscal Fitness: Choosing a Credit Counselor

Living paycheck to paycheck? Worried about debt collectors? Can't seem to develop a workable budget, let alone save money for retirement? If this sounds familiar, you may want to consider the services of a credit counselor. Many credit counseling organizations are nonprofit and work with you to solve your financial problems.

Jennifer Hudson

January 10, 2020

Getting Credit When You’re Over 62

Credit is an important money management tool for both young and older consumers. Yet the elderly, particularly older women, may find it difficult to get credit. If you’re an older consumer who has paid with cash all your life, you may find it diffi cult to open a credit account. That’s because you have "no credit history" of how you paid on credit.

Jennifer Hudson

January 10, 2020

Credit and Divorce

Mary and Bill recently divorced. Their divorce decree stated that Bill would pay the balances on their three joint credit card accounts. Months later, after Bill neglected to pay off these accounts, all three creditors contacted Mary for payment. She referred them to the divorce decree, insisting that she was not responsible for the accounts.

Jennifer Hudson

January 10, 2020

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Featured

Privacy Choices for Your Personal Financial Information

Before You File for Personal Bankruptcy:

Credit and Your Consumer Rights

Fiscal Fitness: Choosing a Credit Counselor

Getting Credit When You’re Over 62

Credit and Divorce

Resources

Privacy Choices for Your Personal Financial Information

Before You File for Personal Bankruptcy:

Credit and Your Consumer Rights

Fiscal Fitness: Choosing a Credit Counselor

Getting Credit When You’re Over 62

Credit and Divorce

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