How Lenders Make Credit Decisions (booklet)
Credit problems can be caused by any number of things -- over-spending, failure to budget, loss of a job, bad
investments, divorce, death or unexpected emergency. Get information on overcoming credit problems in this
helpful booklet.
PDF: English version
PDF: Spanish version
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Credit Problems and How to Get Help (booklet)
Should you use credit? When you need to borrow money, what are your options? Find answers to these
questions and more in this helpful booklet.
PDF: English version
PDF: Spanish version
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Understanding and Using Credit (booklet)
When lenders review a credit or loan application, they look at several factors. Learn what you need to do before
applying for credit.
PDF: English version
PDF: Spanish version
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Building a Better Credit Record (booklet)
This booklet from the Federal Trade Commission can help you learn what your credit
report means, how to avoid credit repair scams, and what you can do to improve your credit.
PDF: English version
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FTC ID Theft Affadavit (booklet)
If you are disputing fraudulent debts and accounts opened by an identity thief, the Federal Trade Commission’s ID Theft Affidavit simplifies the process.
PDF: English version
PDF: Spanish version
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Identity Theft: When Bad Things Happen to Your Good Name (booklet)
This Federal Trade Commission booklet provides comprehensive information on how to avoid identity theft and what to do if it’s happened to you.
PDF: English version
PDF: Spanish version
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How Not to Get Hooked by a "Phishing" Scam (booklet)
This Federal Trade Commission booklet provides comprehensive information on how to avoid email scams and deal with deceptive spam.
PDF: English version
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