Credit rights

Important Lending Protections for Military, The Military Lending Act

The Military Lending Act (MLA) says that you can’t be charged an interest rate higher than 36% on most types of consumer loans and provides other significant rights.

Posted on August 7, 2017

Your Free Credit Report

How to get your free credit report

Posted on April 10, 2017

Confessions of a Credit Counselor, Danielle's Story

Meet credit counselor, Danielle.

Posted on December 23, 2016

The Right Way to Build Your Credit

If you follow a few sure-fire steps, you can build your credit enough to buy your own house or your own car. Here are five steps to take to get your credit where it needs to be.

Posted on December 23, 2016

Collection Accounts – You Are Looking in the Wrong Direction

There is not a lot that hurts your finances more than having collectors calling and collection accounts on your credit report. However, chasing those accounts may not be the best use of your time.

Posted on December 23, 2016

CFPB Issues Statement On Penalties Against Two Debt Collection Agencies

Two of the largest collections agencies receive multi-million dollar penalties due to their use of abusive, unfair and deceptive practices to collect debts.

Posted on December 23, 2016

FTC Launches New, Multilingual Resource for Identity Theft Victims

New resources for people impacted by identity theft.

Posted on December 23, 2016

Why a Debt Validation Letter May be Exactly What Debt Collectors Want

The idea is great, ask a debt collector for proof you owe a debt and if they cannot produce it, you do not have to pay. However, the reality of using this tactic may yield very different results.

Posted on December 23, 2016

Quick Poll - Tell AFS What You Want to Hear

What financial topic(s) would you read about in our blog?

Posted on December 23, 2016

Three Examples of Why You Should Check Your Credit Report

We see the commercials telling us to check our credit reports, but many people do not. Here are three examples of why we should take the time to get our reports.

Posted on December 23, 2016