Credit Protection: Learn Your Rights In Applying For Credit, How To Build A Good Credit History, How To File A Complaint, And More

Credit Protection: Learn Your Rights In Applying For Credit, How To Build A Good Credit History, How To File A Complaint, And More

Credit is a convenience. It lets you charge a meal on your credit card, pay for an appliance on the installment plan, get a loan to buy a house, or more. With credit, you can enjoy your purchase while you’re paying for it, or you can make a purchase when you’re lacking ready cash.

But there are strings attached to credit as well… it usually costs something, and what is borrowed must be paid back.

To protect consumers from unscrupulous creditors, consumer credit protection has been written into the U.S. laws, and:

– bars unfair discrimination in credit transactions
– requires that consumers be told the reason when credit is denied
– lets borrowers find out about their credit records
– sets up a way for consumers to settle billing disputes

More specifically, did you know:

– you cannot be denied a credit card just because you’re a single woman
– you can limit your risk if a credit card is lost or stolen
– you can resolve errors in your monthly bill without damage to your credit rating
– you cannot have credit shut off just because you’ve reached age 62

It is important to know your rights and how to use them. This guide explains how the consumer credit laws can help you:

– shop for credit
– apply for credit
– maintain your credit standing
– complain about an unfair deal, and more.

Take advantage of the information in this popular guide and be prepared to get the most out of credit.

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