Listed below are links to information provided by the Federal Trade Commission relating to credit financial planning.

Click on the title of any topic to get more information from the FTC or download the PDF version.

	The Federal Trade Commission Presents Focus on Finances: Preparing For Your Future [PDF version ONLY ] A newspaper supplement to help educate young people about credit, identity theft, and buying a car.
	Getting Credit: What You Need to Know About Your Credit [PDF version] Provides tips on shopping for credit cards, using cards carefully, and keeping your credit record clean. Also explains credit reports and credit scores, how to protect your identity, improve your credit record, and what to do if you are a victim of identity theft. A good source of information for people learning about credit. Includes a dedicated Web page for more information -- www.ftc.gov/gettingcredit.
	Getting Credit When You’re Over 62 [PDF version] Under the federal Equal Credit Opportunity Act, it’s against the law for a creditor to deny you credit or terminate existing credit simply because of your age. Explains your rights and offers tips for applying for and maintaining credit.
	Gold and Platinum Cards [PDF version] If you’re looking for credit, be wary of some 'gold' or 'platinum' card offers promising to get you credit cards or improve your credit rating. Lists tip-offs to rip-offs.
	How to Be the Class 'Value-Dictorian' [PDF version] Alerts students and recent graduates to important consumer protection tips.
	Payday Loans = Costly Cash [PDF version] Explains how these loans work, but cautions that they come at a very high price. Lists alternatives.
	Ready, Set... Credit [PDF version] For consumers who are about to get their first credit card. Explains how to qualify for a card, get the best deal, and manage your account. Stresses the importance of a good credit history. Discusses federal consumer protections.
	The Secrets of Mystery Shopping Revealed [PDF version] Prospective mystery shoppers are targeted by illegitimate companies claiming resources for becoming a mystery shopper, selling false certification and charging for services that can otherwise be sought for free.
	Secured Credit Card Marketing Scams [PDF version] A secured card requires you to open and maintain a savings account as security for your line of credit; an unsecured card does not. Describes common advertising and marketing scams for secured credit cards.
	The Truth About Advance-Fee Loan Scams [PDF version] Tells you how to spot a scam and avoid losing your money. Rule number one: Legitimate lenders never "guarantee" or say that you are likely to get a loan or a credit card before you apply, especially if you have bad credit, no credit, or a bankruptcy.
	Understanding Vehicle Financing [PDF version] Get the facts on dealership financing – what it is, how you apply, special financing offers, cash back and rebates you may be eligible for, and more.