Individual

Explains employer responsibilities and consumer rights when using information in credit reports to evaluate applications for employment, as well as employee retention, promotion or reassignment. Advises consumers to review their credit reports before applying for a job.

Cautions homeowners about bogus pitches that claim an audit report can help you avoid foreclosure. Offers tips for spotting the scam and resources for finding legitimate help.

Cautions consumers about tax relief companies that claim they can reduce or even eliminate your tax debts and stop back-tax collection by applying for IRS hardship programs. Lists federal and state resources for legitimate tax help programs.

Offers tell-tale signs that a debt collector may be a fake, and what to if you get calls from people trying to collect a debt.

Explains the costly consequences of default. Stresses that if you’re having trouble making your mortgage payments, you should contact your loan servicer to discuss your options as soon as you can.

Explains how reverse mortgages (RMs) can help older homeowners who are “house-rich but cash-poor” remain in their homes and still meet their financial obligations. Explains how the three types of RMs work: single-purpose, federally-insured, and proprietary; and how to get a good deal, and where to complain.

To clear up misconceptions consumers have about where they must take their new car for routine service and repairs in order to be covered under their vehicle.

Understanding how negative equity works in a vehicle trade-in can help you make a better informed choice about buying and financing a car, and determine.

Cautions consumers about auto loan modification companies that claim they can reduce your monthly car loan or lease payment to help you avoid repossession.

Cautions consumers to be skeptical of mail and phone calls warning that their car warranty is about to expire and offering high cost service contracts.