ABA Consumer Guide to Understanding and Protecting Your Credit Rights: a Practical Resource For Maintaining Good Credit

The vast majority of Americans obtain credit at some point in their lives. Over 75 percent of Americans have at least one credit card. Credit also includes home mortgages, car loans, and student loans. This book looks at the basic rights with respect to obtaining and protecting credit.;Cover; Title Page; Copyright Page; Contents; Introduction; Chapter 1. Your Rights When Borrowing Money; Chapter 2. Understanding the Terms and Total Cost of Credit; Applicability of the Truth in Lending Act; Closed-End Credit; Open-End Credit; Chapter 3. Shopping for Credit Cards; Chapter 4. Negotiating a Home Mortgage Loan; Chapter 5. Mortgage Servicing; Chapter 6. Negotiating a Car Loan; Chapter 7. Obtaining a Student Loan; Chapter 8. Credit Card Rights; Credit Billing; Unauthorized Use; Defective Goods and Other Claims and Defenses; Other Rights of Consumers in Credit Card Transactions.