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MissouriFamilies.org - Money Matters - Consumer Action

 

 

Consumer Action Feature Articles

 

Protect yourself from contractor fraud

When storms, floods and other disasters leave damaged homes in their path, local contractors often get more business than they can handle. In many cases, out-of-town contractors will arrive in force to pick up the slack. But think twice and exercise caution before accepting the services of an out-of-town contractor...more

 

Identity theft prevention: Should you freeze your credit reports?

Unless you live in a bubble, it is hard to totally prevent identity theft. The goal is to put measures in place that make it more difficult to steal your identity. Here is important information on prevention methods and protection services...more

 

Know your score

Knowing your numbers is important – the only way we can improve is knowing where we are today. Your credit score is one of the numbers you need to know. It is important for you to understand this number and how to improve it...more

 

Comparison shopping needed for prepaid debit cards

Prepaid debit cards are the latest fee-generating vehicles for financial institutions. Prepaid cards have no fee restrictions and can charge for everything from using an ATM to calling customer service. With so much choice, smart consumers will look for a card that offers the benefits they need without excessive fees...more

 

Overdraft tip sheet

Overdraft “protection” is when a bank or credit union covers overdrafts on a checking or share draft account. If you spend or withdraw more money than you have in your account, the bank or credit union allows the transaction to go through, but they charge you a fee...more

 

Credit card tip sheet: Understanding the new rules

In 2010, rules from the Credit Card Accountability Responsibility and Disclosure Act (Credit Card Act), as well as additional Federal Reserve regulations, went into effect to create new credit card consumer protections and disclosure requirements. There have also been changes to how gift cards and bank account overdraft programs work...more

 

Using gallons per mile to measure fuel efficiency

Miles per gallon (MPG) may not be providing you with the best measure of the fuel efficiency of your car — especially when you are buying a new car and trading in your old one...more

 

Placing fraud alert on credit file an identity theft prevention tool

Persons who think they have been a victim of identity theft should have a fraud alert placed on their credit file with each of the three national consumer reporting agencies...more

 

Choosing a credit card: Read the fine print

Credit card features vary from card to card and there are several types of cards to choose from. To get the best deal, compare fees, charges, interest rates and benefits...more

 

Shopping for consumer credit

This article provides information on the different types of consumer credit, credit cards, and sources of credit...more

 

The Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act requires debt collectors to treat you fairly and bans certain debt collection practices...more

 

The Switch from Analog TV to Digital TV

Switching from analog to digital broadcast television is referred to as the digital TV (DTV) transition. Broadcast stations in all U.S. markets are currently broadcasting in both analog and digital...more

 

Your Rights Under the Food Stamp Program

The Food Stamp Program is the first line of defense against hunger. It helps low-income families buy nutritious food with Electronic Benefits Transfer (EBT) cards. The Program provides support to households in need and to those who are moving from welfare to work...more

 

Effective complaining

At one time or another, most of us have a complaint about a product or service we have paid for. Resolving the situation with the seller can be a challenge. The following suggestions can help you improve your chances of getting a fair resolution to your complaint...more

 

Credit Report Basics

Do you ever wonder how lenders decide who gets a loan and who doesn't? Ponder why you were turned down for that credit card? Think that you might file for bankruptcy and hope no one will ever know? If so, you need to know more about your credit report, how it works, and how it can affect your financial future....more

 

Consumer Fraud

It is fraud when a seller of goods or services lies about an important fact or fails to tell the consumer about an important fact. Con artists can commit fraudulent acts against any consumer, but members of some groups are victimized more often than others are....more


Protecting yourself against identity theft

Identity theft has become more and more common. With increased use of the Internet and various scams seeking personal information from you, it is important for you to protect your identity. Serious consequences may result if an unscrupulous person steals your identity....more

 

 


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Last update: Wednesday, May 03, 2017