Taking care of your personal finances can make a big difference in your life. Understanding how credit cards work, dealing with debt, recognizing scams and understanding your rights will help you take control of your finances. The resources below will get you started.

Federal Trade Commission Resources

• Credit and Debt » What to know about your credit history, using credit and debit cards, managing your debt, and debt collection.
• Free Credit Reports » Information about the Fair Credit Reporting Act (FCRA) and how to get a free credit report.
• Payday Loans » The truth about payday loans and alternatives to help you avoid paying extra.
• Coping with Debt » Helpful tips to develop a budget, contacting creditors, dealing with debt collectors and more.