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Financial Literacy Resources

Sources for Credit and Debt information

  • Free Credit Reports: The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.
  • Dealing with Debt:  Site detailing how to exercise your rights under the Fair Debt Collection Practices Act — and how to recognize debt-related scams and frauds.
  • Introduction to Student Loans: Provides foundational information for understanding and deciding between various student loans.
  • Federal Student Aid: U.S. Department of Education site explaining how to view Federal student loan documents, entrance counseling and how to sign promissory notes.
  • Credit Cards: This guide from the Consumer Financial Protection Board provides information about credit card offers, understanding monthly statements, paying off the card, and credit protection laws.
  • Credit and Loans: This page from the Federal Trade Commission provides links about getting credit, credit reports, credit and debit cards, loans, and background checks for employment.
  • Personal Finance 101-Chats: From the Federal Reserve Bank of St. Louis, watch these chat conversations about payday loans and how to get a car loan.
  • Personal Financial Forms Explained:From the Federal Reserve Bank of St. Louis, these pages explain credit card statements, credit card disclosure statements, and credit reports with illustrations.
  • Student Loan Consolidation and Refinancing: US News and World Reports looks at options for student loan consolidation and refinancing