راهنمای مصرف‌کننده ABA برای درک و حفاظت از حقوق اعتباری شما: منبعی عملی برای حفظ اعتبار خوب

The vast majority of Americans obtain credit at some point in their lives. Over 75 percent of Americans have at least one credit card. Credit also includes home mortgages, car loans, and student loans. This book looks at the basic rights with respect to obtaining and protecting credit.;Cover; Title Page; Copyright Page; Contents; Introduction; Chapter 1. Your Rights When Borrowing Money; Chapter 2. Understanding the Terms and Total Cost of Credit; Applicability of the Truth in Lending Act; Closed-End Credit; Open-End Credit; Chapter 3. Shopping for Credit Cards; Chapter 4. Negotiating a Home Mortgage Loan; Chapter 5. Mortgage Servicing; Chapter 6. Negotiating a Car Loan; Chapter 7. Obtaining a Student Loan; Chapter 8. Credit Card Rights; Credit Billing; Unauthorized Use; Defective Goods and Other Claims and Defenses; Other Rights of Consumers in Credit Card Transactions. Cover Title Page Copyright Page Contents Introduction Chapter 1. Your Rights When Borrowing Money Chapter 2. Understanding the Terms and Total Cost of Credit Applicability of the Truth in Lending Act Closed-End Credit Open-End Credit Chapter 3. Shopping for Credit Cards Chapter 4. Negotiating a Home Mortgage Loan Chapter 5. Mortgage Servicing Chapter 6. Negotiating a Car Loan Chapter 7. Obtaining a Student Loan Chapter 8. Credit Card Rights Credit Billing Unauthorized Use Defective Goods and Other Claims and Defenses Other Rights of Consumers in Credit Card Transactions. Arbitration ClausesDisclosure of Terms of Cardholder Agreements and Free Credit Reports Chapter 9. Prepaid Cards Chapter 10. Debit Cards and Electronic Fund Transactions Chapter 11. Student Loan Rights Chapter 12. Other Types of Loans Payday and Auto Title Loans Overdraft Protection It Is Your Right to Know Why You Are Turned Down for Credit or Had Your Rate Increased Chapter 13. Your Rights as a Debtor Verification of Debts Third-Party Contacts Communication with the Debtor Special Rules Regulating Cell Phone Calls Abuse and Harassment. False, Misleading, and Unfair Acts and PracticesWhere Collection Lawsuits May Be Filed Unsophisticated or Least Sophisticated Consumer Standard Damages Chapter 14. The Collection Industry: Debt Buyers versus Original Creditors Chapter 15. What to Do If You Are a Defendant in a Collection Lawsuit Chapter 16. Defenses to Collection Claims Bogus Charges on Credit Card Accounts Capacity of Parties to Credit Card Accounts Statutes of Limitations Promises to Answer for the Debt of Another Liability of Parents and Spouses Liability of Children for Parent's Debts Nursing Home Debts. Other Health-Care DebtsAutomobile Deficiencies Defective Goods and Services Chapter 17. Dealing with Collection Calls What to Say and What Not to Say How to End Harassing Telephone Calls Negotiating a Payback Arrangement When to Contact a Lawyer Regarding Debt Collection Chapter 18. Credit and Spending: Avoiding Common Mistakes and Borrowing Responsibly Chapter 19. Your Rights with Respect to Credit Reports Credit Scores and How They Are Calculated Credit History Amounts Owed What Credit Scores Do Not Consider Effect of Credit Inquiries on Credit Score. Improving Your Credit ScorePaying Off Collection Accounts Foreclosures and Foreclosure Alternatives Cleaning Up Errors on Your Credit Report What Types of Information on Your Credit Report May Be Challenged Who Can Get My Credit Report? Are Reports Prepared on Insurance and Job Applicants Different? Tenant Screening Employment Background Checks List of Tenant and Employment Screening Agencies Chapter 20. Improving Your Credit Score Chapter 21. When to Hire a Lawyer to Deal with a Credit Report Problem Chapter 22. The Scope and Nature of Identity-Theft Crime. Your rights when borrowing money Understanding the terms and total cost of credit Shopping for credit cards Negotiating a home mortgage loan Mortgage servicing Negotiating a car loan Obtaining a student loan Credit card rights Prepaid cards Debit cards and electronic fund transaction Student loan rights Other types of loans Your rights as a debtor The collection industry : debt buyers vs. original creditors What to do if your are a defendant in a collection lawsuit Defenses to collection claims Dealing with collection calls Credit and spending : avoid common mistakes and borrowing responsibly Your rights with respect to credit reports Improving your credit score When to hire a lawyer to deal with a credit report problem The scope and nature of identity theft crime Safeguarding your information from identity theft What to do if you are a victim of identity theft. ABA Consumer Guide to Understanding and Protecting Your Credit Rights: A Practical Resource For Maintaining Good Credit tells you all you need to know about basic rights with respect to obtaining and protecting your credit. It describes rights under federal law and under common types of state laws. Federal law gives extensive rights with respect to credit transactions, and all states have at least some laws on the subject as well. It also alerts you to common pitfalls in obtaining and using credit and provides information about credit disclosures, negotiating common types of credit transactions, rights with respect to credit cards, debit cards, and other common transactions, debt collection rights, rights with respect to credit reports, and identity theft.