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Loans
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English:
Financing Home Repairs (2006)
This publication outlines some ways to finance repairs and improvements to your home and how to protect yourself from home improvement problems that might cost you money. It covers personal loans, Federal Housing Authority (FHA)… -
Press:
Anti-predatory lending advice in Spanish
Americans for Fairness in Lending (AFFIL) announced today that it has launched a new Spanish-language website [http://www.affil.org/es] to help counter predatory lending practices that target Spanish speakers in America. AFFIL’s… -
English:
Understanding Your Credit Score
Your credit score is a "snapshot" of your credit history that is used by lenders, insurers and others to assess your creditworthiness and the likelihood that you will pay your bills and repay outstanding loans.… -
Chinese:
Understanding Your Credit Score (Chinese)
個人信用評分就是個人信用歷史的一個“寫照”。貸款公司﹑保險公司及其它相關行業用它來評估是否值得貸款給你﹐以及你是否會支付帳單和償還貸款。這本手冊內容有﹕何謂信用評分﹑如何解讀﹐以及如何保持或改善它。 -
Spanish:
Qué significa su puntaje crediticio
Su puntaje crediticio es una representación de su historial de crédito en cierto momento que es utilizada por prestamistas, aseguradores y otros para evaluar su solvencia crediticia y la probabilidad de que usted pague sus… -
Korean:
Understanding Your Credit Score (Korean)
여러분의 신용 점수는 신용기록의 요약이며 대출기관이나 보험사 등과 같은 기관은 이 신용기록의 요약을 이용해 여러분을 신용할 수 있는 지 그리고 고지서 성실 납부와 대출 상환의 가능성이 어느 정도인지를 평가합니다. 이 소잭자는 신용 점수의 이해와 관리… -
English:
Watch Where You Get Credit
This publication explains the various sources of credit—from credit unions to pawn shops—and includes warnings about credit that consumers might want to avoid. -
English:
Be Careful Where You Get Credit - Powerpoint Slides
This presentation is a companion to the brochure "Watch Where You Get Credit," which compares various sources of credit—from credit unions to pawn shops. -
Vietnamese:
Understanding Your Credit Score (Vietnamese)
Ðiểm tín dụng là sự tường trình ngắn gọn về lý lịch tín dụng của quý vị được sử dụng bởi công ty cho vay mượn, bảo hiểm, và các công ty khác để đo… -
English:
Specialty Consumer Reports
In addition to your credit report, there are other types of consumer reports called specialty consumer reports. This publication explains what kinds of specialty reports might exist for you and how you can see and… -
Press:
Senate committee passes landmark credit card bill
WASHINGTON – Leaders of national and Connecticut-based consumer organizations today lauded comprehensive legislation passed by the Senate Banking Committee to curb predatory credit card lending practices. The groups praised committee Chairman and bill sponsor Christopher… -
Press:
391 percent payday loan
It seems like just a little loan, a few hundred dollars in advance of payday. But at an interest rate of $15 per $100, that little loan gets big in a hurry. And if another… -
Press:
Borrowers bled dry
State legislatures unknowingly legalized loan sharking when they exempted short-term, “payday” lenders from usury laws that generally capped interest rates at about 36 percent. The lenders, which now charge interest of 400 percent or more,… -
Press:
Reforming the financial system
On Monday, the one-year anniversary of the collapse of Lehman Brothers, President Obama is scheduled to deliver a major speech on the financial crisis. He should take justifiable pride in some of the aggressive steps… -
Press:
Card issuers use tricks and traps in advance of new law
Washington, DC – A Consumer Action and Consumer Federation of America analysis of recent credit card industry practices found that card issuers are using a variety of costly, unfair tactics that will not be eliminated… -
Spanish:
Micro Business Basics - Class Activities (Spanish)
Este archivo en PDF contiene traducciones en español de las actividades para hacer en clase y los ejercicios para hacer en casa tomados del plan de enseñanza en inglés Micro Business Basics. -
Press:
The new 20-year mortgage
MOST people who took out jumbo mortgages during the financial crisis got hit with high interest rates as lenders and investors recoiled from anything that seemed even remotely risky. Now that market conditions have improved,… -
Press:
Debt-settlement companies draw increasing criticism
The ads are ubiquitous, and for consumers awash in debt, nearly impossible to ignore: Reduce your credit card bills 50%! Avoid bankruptcy! The relief is real! Behind the ads is a fast-growing industry that barely… -
English:
Micro Business - Build a solid foundation (English)
Micro businesses are very small companies run by their owners with few employees. They are often home-based, with annual sales under $250,000 and few assets, but they can qualify for loans to help them grow… -
Press:
Few options exist for erasing student loan debt
Dear Liz: I really screwed up. I decided I wanted to go to a private college and am now saddled with $145,000 in private student loans and $30,000 in federal student loans. I am working… -
Press:
The inflatable mortgage loan pool
Amid the legal battles between investors who lost money in mortgage securities and the investment banks that sold the stuff, one thing seems clear: the investment banks appear to be winning a good many of… -
Press:
Over 25% of us have nasty credit scores, but they’re fixable
Whether you’re applying for a job or looking for love, rejection is painful, particularly when you aren’t given a reason for the rebuff. “It’s not you, it’s me” doesn’t count. But soon, when a lender… -
Chinese:
Micro Business - Build a solid foundation (Chinese)
此手冊對於開創小型商業及財政經營提供了許多基本概念。小型商業是很小的公司由業主和幾位員工甚至沒有員工來經營。很多小型商業起源自個人愛好或是一個挺不錯的主意。小型商業也有資格貸款協助拓展至較大區域﹑全國或成為連鎖企業。 -
Korean:
Micro Business - Build a solid foundation (Korean)
소규모 자영업체는 적은 숫자의 직원을 고용한 사업주에 의해 직접 운영되는 아주 작은 기업입니다. 이 회사들은 $250,000 이하의 연매출과 적은 자산으로 집에서 운영되는 경우가 많지만 좀더 넓은 지역을 상대하거나 프렌차이즈 사업으로 성장할 수 있도록 도움을 줄… -
English:
Micro Business Basics - Seminar Lesson Plan (English)
To help participants learn basic information about the creation and financial management of a micro business. PDF packet provides guidance for teachers and team leaders. The 16-page packet contains a detailed curriculum, classroom activities and…
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