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Have You Been Victimized?
Many states have laws strictly regulating credit repair companies. States may be helpful if you’ve lost money to credit repair scams.

If you’ve had a problem with a credit repair company, don’t be embarrassed to report them. While you may fear that contacting the government will only make your problems worse, that’s not true. Laws are in place to protect you. Contact your local consumer affairs office or your state Attorney General (AG). Many AGs have toll-free consumer hotlines. Check with your local directory assistance.

1-877-FTC-HELP www.ftc.gov

Need Help? Don't Despair
Just because you have a poor credit report doesn't mean you won't be able to get credit. Creditors set their own credit-granting standards and not all of them look at your credit history the same way. Some may look only at more recent years to evaluate you for credit, and they may grant credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards. Signup Free Now !

If you can't resolve your credit problems yourself or you need additional help, you may want to contact a credit counseling service. There are non-profit organizations in every state that counsel consumers in debt. Counselors try to arrange repayment plans that are acceptable to you and your creditors. They also can help you set up a realistic budget. These counseling services are offered at little or no cost to consumers. You can find the office nearest you by checking the white pages of your telephone directory.

In addition, nonprofit counseling programs sometimes are operated by universities, military bases, credit unions, and housing authorities. They’re also likely to charge little or nothing for their services. Or, you can check with your local bank or consumer protection office to see if it has a list of reputable, low-cost financial counseling services.

Do-It-Yourself Check-Up

Even if you don’t have a poor credit history, it’s a good idea to conduct your own credit check-up, especially if you’re planning a major purchase, such as a home or car. Checking in advance on the accuracy of the information in your credit report could speed the credit-granting process.

You’re entitled to one free report a year if you can prove that:

  1. you’re unemployed and plan to look for a job with 60 days;
  2. you’re on welfare; or
  3. your report is inaccurate because of fraud.

Otherwise, a credit bureau may charge you up to $9.00 for a copy of your report.

Credit bureaus usually are listed in the yellow pages of your telephone book under "credit reporting agencies." Three large national credit bureaus supply most credit reports: TRW, Equifax, and Trans Union. You may want to contact each of them for a copy of your report.

Hereís how some different methods of calculating finance charges affect the cost of credit:

  Average Daily Balance
(including new purchases)
Average Daily Balance
(excluding new purchases)
Monthly rate 1 1/2% 1 1/2%
APR 18% 18%
Previous Balance $400 $400
New Purchases $50 on 18th day $50 on 18th day
Payments $300 on 15th day $300 on 15th day
  (new balance = $100) (new balance = $100)
Average Daily Balance $270 * $250 **
Finance Charge $4.05 (1 1/2% x $270) $3.75 (1 1/2% x $250)

* To figure average daily balance (including new purchases):
($400 x 15 days) + ($100 x 3 days) + ($150 x 12 days) 30 days = $270

** To figure average daily balance (excluding new purchases):
($400 x 15 days) + ($100 x 15 days) 30 days =  $250


  Adjusted Balance Previous Balance
Monthly rate 1 1/2% 1 1/2%
APR 18% 18%
Previous Balance $400 $400
Payments $300 $300
Average Daily Balance N/A N/A
Finance Charge $1.50 (1 1/2% x $100) $6.00 (1 1/2% x $400)

For Help and Information
Questions about a particular issuer should be sent to the agency with jurisdiction.

National Banks
Comptroller of the Currency
Compliance Management, Mail Stop 7-5
Washington, DC 20219

State Member Banks of the Reserve System
Consumer and Community Affairs
Federal Reserve Board
20th & C Streets, NW
Washington, DC 20551

Federal Credit Unions
National Credit Union Administration
1776 G Street, NW
Washington, DC 20456

Non-Member Federally Insured Banks
Office of Consumer Programs
Federal Deposit Insurance Corporation
550 Seventeenth Street, NW
Washington, DC 20429

Federally Insured Savings and Loans, and Federally Chartered State Banks
Consumer Affairs Program
Office of Thrift Supervision
1700 G Street, NW
Washington, DC 20552

Other Credit Card Issuers
(includes retail/gasoline companies)

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or to get free information on consumer issues, call toll-free, 1-877-FTC-HELP (1-877-382-4357), or use the Online complaint form. The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinental, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
1-877-FTC-HELP www.ftc.gov

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