For Credit Information

The Federal Trade Commission enforces a number of credit laws and provides consumers with free information regarding credit regulations and consumer protection issues. You can file a complaint with the FTC by contacting the Consumer Response Center toll free at (877) 382-4357. For more information, visit their website at www.ftc.gov.

For more information on federal credit regulations and consumer rights, contact the Federal Reserve System at (202) 452-3693, or visit their website at www.federalreserve.gov.

Some state laws may provide you with additional rights. For information on these laws, contact your state's consumer protection agency or attorney general's office.

• myfico.com/CreditEducation
• ftc.gov/bcp/conline/edcams/credit/coninfo_reports.htm

For Budget Information

The American Financial Services Association Education Foundation offers publications that you may find useful. For example:

• Consumer Budget Planner
• The Consumer's Almanac

Go to www.afsaef.org or call toll free (888) 400-2233 to order these publications. A small fee may be required.

• AFSA Education Foundation: www.afsaef.org
• GMAC Financial Services: www.gmacfs.com
• The Jump$tart Coalition for Personal Financial Literacy: www.jumpstart.org