Housing Publications List
Hoja de recursos para la superación financiera. Esta hoja proporciona recursos e información para ayudarlo a administrar su dinero durante épocas difíciles. Detalla programas del gobierno para los que podría calificar y así acrecentar los ingresos de su familia para que el dinero le rinda más.
Good Credit - Powerpoint Training Slides (Spanish). El archivo de la presentación en PowerPoint del seminario Buen Crédito está disponible en la sección "Download File".
Rebuilding Good Credit - PowerPoint Training Slides (Spanish). El archivo de la presentación en PowerPoint del seminario Mejore su crédito está disponible en la sección "Download File".
Financial Empowerment Resource Sheet. This fact sheet gives you information and resources to help you manage your money during difficult times. It details government programs that you might qualify for to boost your family income and help make ends meet.
Good Credit - Powerpoint Training Slides. The Good Credit Powerpoint training file is available for download in the "Download File" section.
Rebuilding Good Credit - PowerPoint Training Slides (English). The Rebuilding Good Credit Powerpoint training file is available for download in the "Download File" section.
Informes de crédito y puntajes de crédito. Su informe de crédito tiene un importante impacto sobre su capacidad de lograr objetivos importantes. Aprenda sobre la información que se recolecta acerca de usted, cómo interpretarla y mejorarla, y cuáles son sus derechos.
Informes de crédito e informes del consumidor especializados. Varias empresas usan los informes especializados para pronosticar la posibilidad de que usted sea un buen empleado, se enferme o presente una reclamación de seguro. Usted tiene el derecho de ver lo que se recolecta sobre usted y disputar la información errónea.
Credit & Specialty Reports and Credit Scores - Powerpoint Slides. The Credit & Specialty Reports and Credit Scores Powerpoint training file is available for download in the "Download File" section. The slides are suitable to show for train-the-trainer sessions or client presentations. Each slide contains teaching notes.
Credit & Specialty Reports and Credit Scores - Lesson Plan and Class Activities. This packet, only available as a PDF file, provides guidance for teachers and team leaders involved in financial literacy. The 50-page packet contains a detailed curriculum, classroom activities and worksheets.
Credit Cards - What You Need To Know. Most people use credit cards—but do they know the terms of the agreement they have with their card issuer? This brochure is designed to help readers understand the different types of cards available; sort through offers to choose the card that's right for them; understand credit card terms and conditions, and avoid fees and penalty rates.
Credit Reports and Credit Scores. Your credit history has a significant impact on your ability to achieve important financial goals. Learn what information is collected about you, how to interpret and improve it, and what your rights are.
Consumer Reports and Specialty Reports. Companies use consumer and specialty reports, much like credit reports, to determine such things as how likely you are to be a good employee, become ill or file an insurance claim. You have the right to see what is collected about you and to dispute inaccurate information.
Improve Your Credit - Put Bad Credit Behind You (Chinese). An easy-to-read brochure that explains why having good credit is important, your rights if your credit application is rejected, how to check your credit report, how to dispute mistakes on your credit report and how to begin to rebuild good credit.
Good Credit - Leader’s Guide. A guide to help community-based organization staff educate their clients about credit. Topics include credit reports, credit history, establishing good credit, credit scoring, credit fraud and more.
Improve Your Credit - Put Bad Credit Behind You (Spanish). Un folleto fácil de leer que explica por qué es importante tener buen crédito, sus derechos si su aplicación de crédito es rechazada, cómo obtener su informe crediticio, cómo corregir errores en su informe crediticio y cómo comenzar a reconstruir su crédito.
Rebuilding Your Credit - Leader’s Guide. A guide to help community-based organization staff educate their clients about ways to start rebuilding good credit. Topics include damaged credit, credit reports, mistakes on your credit report, credit repair offers, debt consolidation, co-signing loans, secured credit cards, credit counseling, bankruptcy and how to keep your good credit.
Improve Your Credit - Put Bad Credit Behind You (English). An easy-to-read brochure that explains why having good credit is important, your rights if your credit application is rejected, how to check your credit report, how to dispute mistakes on your credit report and how to begin to rebuild good credit.
Good Credit - Build it and keep it (Chinese). A fact sheet that explains what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem.
Good Credit - Build it and keep it (Spanish). Un folleto que explica qué es el informe crediticio y cómo obtenerlo, la importancia de su historial de crédito, qué occure si le niegan su solicitud de crédito, cómo puede establecer buen crédito y dónde quejarse si tiene un problema.
Good Credit - Build it and keep it (English). A fact sheet that explains what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem.
No caiga en la trampa de los servicios de cancelación de deudas. La mayoría de las compañías de cancelación de deudas le cobran aunque terminen sin saldar sus cuentas.
Rebuilding Good Credit - Class Activities (Spanish). Este archivo en PDF contiene traducciones en español de las actividades para hacer en clase y los ejercicios para hacer en casa tomados del plan de enseñanza en inglés Rebuilding Good Credit.
Good Credit - Build it and keep it (Hmong). Daim no qhia tias keebkwm nuj nqi yog dabtsi, daim ntawv tshabxo nuj nqi (credit report) yog dabtsi, koj yuav thov tau koj daim ntawv tshabxo nuj nqi li cas, koj yuav ua li cas koj cov nuj nqi thiaj li zoo thiab yog koj daim ntawv tshabxo nuj nqi hais tsis yog lawm yuav ko li cas.
A fact sheet that explains what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem.
Good Credit - Build it and keep it (Cambodian). A fact sheet that explains what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem.
Good Credit - Build it and keep it (Laotian). A fact sheet that explains what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem.
Freeze Your Credit File - Powerpoint Slides (Hmong). The Freeze Your Credit File Powerpoint File (in pdf format) is available for download in the "Download File" section.
Rebuilding Good Credit - Seminar Lesson Plan Packet. This packet provides guidance for teachers and team leaders. The packet contains a detailed curriculum, classroom activities and take home worksheets. (Note: It is only available as a PDF file.)
Staying on Track With Credit (Chinese). Credit can be a valuable financial tool for consumers who understand its costs and benefits and how to use it wisely. This brochure defines open-ended, or revolving, credit, including credit cards, home equity lines of credit and overdraft lines of credit, and discusses the pros and cons of using credit. It includes tips on high-cost credit to avoid.
Entienda y administre bien su crédito. El crédito puede ser una herramienta muy útil para aquellos consumidores que entienden los costos, beneficios, y la mejor manera de utilizarlo. Este folleto define los varios tipos de crédito, como el crédito abierto, que incluye las tarjetas de crédito, líneas de crédito como la protección contra sobregiros en su cuenta de cheques y líneas de crédito sobre el valor líquido de la vivienda. También explica las ventajas y desventajas de pagar a crédito y ofrece consejos sobre cómo evitar el crédito de alto costo.
Staying on Track with Credit - PowerPoint Slides. The Staying on Track with Credit Powerpoint training file is available for download in the "Download File" section.
Staying on Track with Credit - Lesson Plan. This packet provides guidance for teachers and team leaders. The 23-page packet contains a detailed curriculum, classroom activities and take home worksheets. (Note: It is only available as a PDF file.)
Questions and Answers About Obtaining and Managing Credit. By understanding how credit works, what it costs, and how to avoid accumulating too much debt, consumers can use credit to their advantage. The "Credit Training Manual" can help answer many questions about credit.
Staying on Track With Credit. Credit can be a valuable financial tool for consumers who understand its costs and benefits and how to use it wisely. This brochure defines open-ended, or revolving, credit, including credit cards, home equity lines of credit and overdraft lines of credit, and discusses the pros and cons of using credit. It includes tips on high-cost credit to avoid.
Good Credit - Seminar Lesson Plan Packet. This PDF packet provides guidance for teachers and team leaders. The packet contains a detailed curriculum, classroom activities and take home worksheets.
Good Credit - Class Activities (Spanish). Este archivo en PDF contiene traducciones en español de las actividades para hacer en clase y los ejercicios para hacer en casa tomados del plan de enseñanza en inglés Good Credit.
Freeze Your Credit File (Chinese). A credit file "security freeze" is a preventive tool to help you avoid identity theft and to block impostors from using your personal information to establish credit. This publication explains how to "freeze" your credit file, which prevents new credit from being established in your name until you temporarily or permanently lift the freeze.
Freeze Your Credit File. A credit file "security freeze" is a preventive tool to help you avoid identity theft and to block impostors from using your personal information to establish credit. This publication explains how to "freeze" your credit file, which prevents new credit from being established in your name until you temporarily or permanently lift the freeze.
Congele su expediente crediticio. El “congelamiento de seguridad” es una herramienta para ayudarle a prevenir el robo de identidad y evitar que impostores utilicen su información personal para establecer crédito. Esta publicación explica cómo “congelar” su crédito, lo cual previene que se establezca crédito nuevo a nombre suyo hasta que usted remueva el congelamiento por un tiempo o permanentemente.
Freeze Your Credit File - Powerpoint Slides. The Freeze Your Credit File Powerpoint File is available for download in the "Download File" section.
Credit Report Security Freeze - Training Packet. To provide participants with the knowledge to determine whether a security freeze is right for them and, if it is, how to place, lift and remove a security freeze. This PDF packet provides guidance for teachers and team leaders. The 11-page packet contains a detailed curriculum, classroom activities and take home worksheets.
Security Freeze Training Manual. This publication is part of a series on how you can protect yourself from identity (ID) theft by placing a security freeze on your credit files. A freeze also is a good idea for victims of ID theft.
State Credit Freeze Chart. Consumer Action has prepared a chart listing guidelines for placing a "security freeze" on your credit file.
Understanding Debit Cards. Debit cards look similar to credit cards, but they work differently. This publication explains how they work, what consumer protections exist and how cardholders can address problems with billing and unauthorized use.
Be Careful Where You Get Credit - Powerpoint Slides. This presentation is a companion to the brochure "Watch Where You Get Credit," which compares various sources of credit—from credit unions to pawn shops.
Watch Where You Get Credit. This publication explains the various sources of credit—from credit unions to pawn shops—and includes warnings about credit that consumers might want to avoid.
Qué significa su puntaje crediticio. Su puntaje crediticio es una representación de su historial de crédito en cierto momento que es utilizada por prestamistas, aseguradores y otros para evaluar su solvencia crediticia y la probabilidad de que usted pague sus cuentas y préstamos pendientes. Esta publicación explica cómo obtener su puntaje crediticio, entenderlo y poder mantenerlo o mejorarlo.
Understanding Your Credit Score (Chinese). Your credit score is a "snapshot" of your credit history that is used by lenders, insurers and others to assess your creditworthiness and the likelihood that you will pay your bills and repay outstanding loans. This publication explains how to learn your score, how to interpret it and how to maintain or improve it.
Understanding Your Credit Score. Your credit score is a "snapshot" of your credit history that is used by lenders, insurers and others to assess your creditworthiness and the likelihood that you will pay your bills and repay outstanding loans. This publication explains how to learn your score, how to interpret it and how to maintain or improve it.
California Car Buyer’s Bill of Rights. California car buyers have important new rights beginning July 1, 2006. The Car Buyer’s Bill of Rights will change the way millions of cars are bought and sold in California.
Declaración de derechos del comprador de un auto en California. Los compradores de autos en California tienen nuevos derechos importantes a partir del 1º de julio de 2006. La Declaración de Derechos del Comprador de un Auto cambiará la forma en que se compran y venden autos en California.
California Car Buyer’s Bill of Rights (Chinese). California car buyers have important new rights beginning July 1, 2006. The Car Buyer’s Bill of Rights will change the way millions of cars are bought and sold in California.
Questions & Answers About Subprime Lending. This eight-page training guide, written in a question-and-answer format, discusses subprime lending and its pitfalls from a consumer advocacy perspective. The guide covers risk-based pricing of loans, subprime loans, credit scoring, predatory lending, illegal practices, and how consumers can protect themselves and fight back if they become victims.
Poor Credit means Higher Interest Rates - How to avoid bad loans. This brochure addresses "subprime" loans offered to people with credit problems. While consumers with poor credit can find fairly priced mortgages, car loans and credit cards at higher-than-average rates, this population is easily victimized by very bad deals called predatory lending. This brochure covers illegal lending practices, warning signs of bad loans, how to avoid becoming a victim, filing a compaint and resources for advice and assistance.
El mal crédito se traduce en tasas de interés más altas. Este folleto describe los préstamos "no preferenciales" ofrecidos a las personas con problemas de crédito. Mientras que los consumidores con mal crédito pueden encontrar préstamos hipotecarios, de automóviles, o tarjetas de crédito con tasas de interés bastante más altas que lo normal, este grupo se convierte fácilmente en víctima de tratos malos llamados préstamos abusivos. El folleto cubre las prácticas ilegales de los prestamistas, señales de alerta de un préstamo malo, cómo evitar convertirse en víctima, cómo presentar una queja y recursos para obterner consejo y asistencia.
Poor Credit means Higher Interest Rates - How to avoid bad loans (Chinese). This brochure addresses "subprime" loans offered to people with credit problems. While consumers with poor credit can find fairly priced mortgages, car loans and credit cards at higher-than-average rates, this population is easily victimized by very bad deals called predatory lending. This brochure covers illegal lending practices, warning signs of bad loans, how to avoid becoming a victim, filing a compaint and resources for advice and assistance.
Q&A About Financing a Car : Leader’s Guide. This Leader's Guide is designed to provide in-depth background on financing an auto purchase. Many consumers with late payments and other credit problems may face increased interest rates on car loans - but this doesn't mean that they should have to accept high-cost loans, unfair terms and deceptive sales pitches. The information contained in this manual can help staff members and community leaders counsel clients on purchasing and financing an automobile.
Get a Car Loan. If you are seeking financing for a new or used car, you have many options for financing even if you have a poor financial history. However, late payments and other credit problems signal lenders that you are a risky customer, which will increase the interest rates on loans available to you.
Get a Car Loan (Chinese). If you are seeking financing for a new or used car, you have many options for financing even if you have a poor financial history. However, late payments and other credit problems signal lenders that you are a risky customer, which will increase the interest rates on loans available to you.
Cómo obtener el préstamo. Si está buscando financiamiento para un auto nuevo o usado, usted tiene muchas opciones aún si su historial de crédito es malo. Este folleto explica que hay diferencias entre prestamistas y le ofrece consejos sobre cómo conseguir el mejor trato comparando entre las compañías y haciendo las preguntas adecuadas.
Questions & Answers About Privacy & Your Credit Report. Privacy abuses are on the increase, including credit fraud and identity theft, a fast-growing crime in which an impostor applies for credit under a victim's name. "Questions and Answers about Privacy and Credit Reports" offers in-depth information on privacy and credit reports, bank accounts and marketing as well as new laws designed to help people better control how their personal information is used.
Privacy and Your Credit Report. Our personal financial information is more easily available and far less secure in the computer age than it was in the days of old-fashioned filing cabinets. "Privacy and Your Credit Report" explains why the information contained in your credit report can, in the wrong hands, be used to abuse your privacy. It also explains how California residents have strong privacy rights with new laws and an office of privacy protection.
Privacidad y su Informe de Crédito. En la era de la computación, nuestra información personal financiera es mucho menos segura y está disponible más fácilmente que en los días de los antiguos gabinetes de archivos. "Privacidad y su Informe de Crédito" explica por qué la información que su historial de crédito contiene puede ser usada para abusar de su privacidad al caer en malas manos. Además, explica cómo los derechos de privacidad de los residentes de California se han fortalecido gracias a la creación de nuevas leyes y una oficina de protección de la privacidad.
Credit Repair Scams. An illustrated fact sheet that describes what a credit report is and how to find out what is in your credit report. Explains how to correct inaccurate information in your report and advises caution with credit repair companies and guaranteed credit claims.
Cómo evitar el fraude con tarjetas de crédito. Un folleto que describe cómo los delincuentes roban y usan los números de las tarjetas de crédito, y explica cómo evitar el fraude y qué debe hacer si su tarjeta ha sido robada.
Las estafas por reparación de crédito. Algunas compañías engañan al consumidor diciendo que pueden "limpiarle" los informes de crédito negativos. Este folleto explica los servicios limitados que las compañías de reparación de crédito pueden ofrecer legalmente y revela las declaraciones engañosas y las prácticas ilegales de ciertas compañías.
Don’t Be Fooled by Misleading ‘Credit Repair’ Claims!. An illustrated fact sheet that describes what a credit report is and how to find out what is in your credit report. Explains how to correct inaccurate information in your report and advises caution with credit repair companies and guaranteed credit claims.
No Se Deje Engañar por Declaraciones Falsas de “Reparación de Crédito”. Un folleto que explica qué es un informe de crédito, cómo averiguar el contenido de su informe de crédito, qué puede hacer si su informe de crédito contiene información incorrecta, y cómo cuidarse de las compañías que dicen poder reparar su crédito.
Giving Yourself Some Credit (Russian). An illustrated fact sheet describing what credit is, how to obtain it, and how to use it. Also describes credit ratings, credit bureaus, and the importance of consumers periodically reviewing a copy of their credit report for accuracy. Explains the Equal Credit Opportunity Act.
Giving Yourself Some Credit (Chinese). An illustrated fact sheet describing what credit is, how to obtain it, and how to use it. Also describes credit ratings, credit bureaus, and the importance of consumers periodically reviewing a copy of their credit report for accuracy. Explains the Equal Credit Opportunity Act.
Cómo Establecer Crédito. Hoja informativa ilustrada que describe el crédito, cómo obtenerlo y cómo utilizarlo. También describe la solvencia, las agencias de clasificación de solvencia y lo importante que es revisar su informe crediticio periódicamente para verificar su exactitud. Explica la Ley de Igualdad en Oportunidades de Crédito.
California Immigrants and Credit (Russian). A fact sheet designed to explain credit to California immigrants: how to qualify for it, how to use it properly, and how to avoid problems. Discusses creditors, credit history, credit bureaus, scams, and abuses. Includes a short glossary of credit terms and a listing of community resources for further information.
California Immigrants and Credit (Chinese). A fact sheet designed to explain credit to California immigrants: how to qualify for it, how to use it properly, and how to avoid problems. Discusses creditors, credit history, credit bureaus, scams, and abuses. Includes a short glossary of credit terms and a listing of community resources for further information.
California Immigrants and Credit. A fact sheet designed to explain credit to California immigrants: how to qualify for it, how to use it properly, and how to avoid problems. Discusses creditors, credit history, credit bureaus, scams, and abuses. Includes a short glossary of credit terms and a listing of community resources for further information.
Los Inmigrantes de California y el Crédito. Hoja informativa diseñada para explicar temas de crédito a inmigrantes en California: cómo calificar, cómo utilizarlo adecuadamente y cómo evitar problemas. Discute temas sobre acreedores, historial de crédito, agencias de clasificación de solvencia, fraudes y abusos. Incluye un glosario pequeño sobre terminología de crédito y una lista de recursos comunitarios para obtener más información.
Giving Yourself Some Credit. An illustrated fact sheet describing what credit is, how to obtain it, and how to use it. Also describes credit ratings, credit bureaus, and the importance of consumers periodically reviewing a copy of their credit report for accuracy. Explains the Equal Credit Opportunity Act.
Where Can I Get Credit?. A fact sheet that explains various sources where consumers can obtain credit, such as banks, credit unions, finance companies and pawnbrokers.
¿Dónde puedo obtener crédito?. Un folleto que explica las fuentes de crédito: bancos, cooperativas de crédito, tarjetas de crédito, cuentas de cliente, prestamistas ilícitos, tiendas de dinero y más.
