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"Thanks to CareOne, I was out of debt in October. I am so grateful to CareOne for all of their wisdom and great coaches!"Angela G., Mukilteo, WACareOne Customer

Personal Credit Advice

Having and using credit is a big responsibility. Unfortunately, even if you take care of your good credit and your good name, you cannot guarantee that credit issues won't arise. You need to be ready for any situation where your current or future credit could be in jeopardy. Doing that will mean paying close attention to when and how your credit is used; watching for signs of fraud or identity theft; and knowing your legal rights as a consumer. Take the first step toward maintaining a good credit history by reading what's presented here.
  • Credit Card Surcharges: Another Reason to Avoid Using Credit

  • Consumer Protection Laws

    In order to protect consumers against deception, false advertising and unfair pricing, the government regulates business practices and competition through a variety of consumer protection laws. These laws address issues such as credit applications and collections, credit ratings and credit repair issues. Above all else, they are intended to protect consumers. Hopefully, you won't ever be in a situation to need these laws. If you are, though, this information will tell you what you need to know to fight for yourself.

  • Your Credit Report

    Your credit report is one of the most important financial tools there is. It contains specific information, history and details about your financial life and it is used to determine how risky it will be to loan you money. Before you can purchase a house or a car or get a credit card, the information in your report will be scrutinized. A document with this much power to affect your finances needs to be monitored closely and consistently. These articles will show you how and when to review your credit report as well as giving you information for correcting any errors you find.

  • Protecting Yourself

    In many ways, identity theft and identity fraud are the most dangerous threat to any financial portfolio. Everything from mortgage rates to credit card interest are based on information associated with your identity and you have to do anything and everything you can to protect it. At some point, you may be faced with a situation involving your rights as a consumer. This information will help you make sure that your good name stays that way!

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