Fillable PDFPersonal loans & borrowing
APR versus note rate quote review
Record which figures in a written quote describe the rate, APR and borrowing charges.
Fillable PDFPersonal loans & borrowing
Personal loan application file
Organize the documents a lender asks you to provide.
Fillable PDFCredit reports & scores
Debt-to-income inputs worksheet
Collect the monthly income and debt figures needed for a DTI discussion.
Fillable PDFPersonal loans & borrowing
Irregular income payment reserve
Plan a payment reserve around variable income and known due dates.
Fillable PDFPersonal loans & borrowing
Origination fee and net proceeds worksheet
Track how fees change the cash available from a loan.
Fillable PDFPersonal loans & borrowing
Autopay discount questions
Record the conditions attached to an advertised payment discount.
Fillable PDFPersonal loans & borrowing
Fixed versus variable refinance review
Record the rate-change provisions before comparing refinance offers.
Fillable PDFDebt collection & hardship
Debt consolidation comparison worksheet
List the debts and proposed replacement loan without treating consolidation as savings by itself.
Fillable PDFDebt collection & hardship
Loan hardship call notes
Keep a clear record when asking a servicer about payment difficulty.
Fillable PDFDebt collection & hardship
Loan complaint evidence log
Assemble a timeline and supporting records for a financial complaint.
Fillable PDFPersonal loans & borrowing
Loan scam verification checklist
Pause and check the identity and terms of an unfamiliar provider.
Fillable PDFCredit reports & scores
Credit report review log
Record items that need checking on a credit report.
Fillable PDFMortgages & homebuying
Mortgage Loan Estimate comparison worksheet
Compare two Loan Estimates using matching assumptions.
Fillable PDFMortgages & homebuying
Closing Disclosure review notes
Record questions while reviewing the final mortgage disclosure.
Fillable PDFMortgages & homebuying
Mortgage cash-to-close tracker
Track cash commitments around a home purchase.
Fillable PDFMortgages & homebuying
Mortgage insurance questions
Prepare questions about mortgage insurance on a specific loan.
Fillable PDFMortgages & homebuying
FHA mortgage quote file
Record the loan and insurance figures from an FHA quote.
Fillable PDFMortgages & homebuying
VA mortgage quote questions
Keep the quoted costs and unresolved questions for a VA loan discussion.
Fillable PDFMortgages & homebuying
USDA mortgage application notes
Collect questions and documents for a USDA loan discussion.
Fillable PDFMortgages & homebuying
Homebuyer assistance comparison worksheet
Compare published assistance programs without assuming funding or eligibility.
Fillable PDFHome equity & HELOC
Home equity loan versus HELOC worksheet
Organize written terms for two different ways of borrowing against a home.
Fillable PDFHome equity & HELOC
HELOC payment-change planner
Prepare a cash-flow discussion for changes in a credit-line payment.
Fillable PDFMortgages & homebuying
Mortgage escrow statement review worksheet
Track the figures and questions in an escrow analysis.
Fillable PDFStudent loans
Student loan inventory
Build one list of the education loans you need to manage.
Fillable PDFStudent loans
Federal versus private student loan questions
Record differences that matter before choosing or replacing an education loan.
Fillable PDFStudent loans
Student refinance offer comparison worksheet
Collect comparable written refinance quotes.
Fillable PDFStudent loans
Co-signer discussion record
Prepare questions for the borrower, co-signer and lender.
Fillable PDFAuto loans
Auto loan shopping file
Keep the vehicle price and financing offer separate while shopping.
Fillable PDFAuto loans
Auto loan total-cost comparison worksheet
Compare loan terms using the same vehicle price and contribution.
Fillable PDFAuto loans
Trade-in payoff gap worksheet
Track the difference between a vehicle payoff and trade-in value.
Fillable PDFAuto loans
Auto add-on refund questions
Organize a request about a financed add-on or cancellation.
Fillable PDFBusiness loans
Business loan guarantee and collateral questions
Keep personal-guarantee and collateral questions together before a business loan discussion.
Fillable PDFBusiness loans
SBA 7(a) lender questions
Prepare a structured conversation with an SBA participating lender.
Fillable PDFBusiness loans
SBA 504 project cost file
Organize project costs and financing questions for a 504 discussion.
Fillable PDFBusiness loans
SBA microloan contact log
Compare conversations with microloan intermediaries.
Fillable PDFBusiness loans
Business cash flow and debt service worksheet
Collect consistent cash-flow and debt-service inputs for a lender discussion.
Fillable PDFBusiness loans
PPP historical record request
Organize a query about an old PPP loan or forgiveness record.
Fillable PDFDisaster & housing costs
Disaster assistance records file
Keep program contacts and published assistance records organized.
Fillable PDFDisaster & housing costs
Flood insurance quote comparison worksheet
Compare actual flood-insurance quotes and coverage terms.
Official guideCredit reports & scores
What is the difference between a credit report and a credit score?
Official guideMortgages & homebuying
What are mortgage origination services? What is an origination fee?
Official guidePersonal loans & borrowing
What is the difference between a fixed APR and a variable APR?
Official guideCredit cards & borrowing
What are credit card “add-on products?”
Official guideStudent loans
How do I apply for student loans?
Official guideDebt collection & hardship
What is the difference between credit counseling and debt settlement, debt consolidation, or credit repair?
Official guideAuto loans
How do I compare auto loan offers?
Official guideHome equity & HELOC
What is the difference between a Home Equity Loan and a Home Equity Line of Credit (HELOC)?
Official guideCredit reports & scores
What is a credit score?
Official guideMortgages & homebuying
What is the difference between a mortgage interest rate and an APR?
Official guidePersonal loans & borrowing
What is the difference between a loan interest rate and the APR?
Official guideCredit cards & borrowing
What is a prescreened credit card offer?
Official guideStudent loans
What is a student loan servicer?
Official guideDebt collection & hardship
What is an original creditor and what is the difference between an original creditor and a debt collector?
Official guideAuto loans
What is a buy rate for an auto loan?
Official guideHome equity & HELOC
What is a home equity loan?
Official guideCredit reports & scores
What is a credit report?
Official guideMortgages & homebuying
What is the difference between a mortgage lender and a mortgage broker?
Official guidePersonal loans & borrowing
What are income-driven repayment (IDR) plans, and how do I qualify?
Official guideCredit cards & borrowing
What is a grace period for a credit card?
Official guideStudent loans
What is student loan deferment?
Official guideDebt collection & hardship
What is harassment by a debt collector?
Official guideAuto loans
What is credit insurance for an auto loan?
Official guideHome equity & HELOC
What is a home equity line of credit (HELOC)?
Official guideCredit reports & scores
What is a credit reporting company?
Official guideMortgages & homebuying
How much money can I get with a reverse mortgage loan, and what are my payment options?
Official guidePersonal loans & borrowing
What is a debt relief program and how do I know if I should use one?
Official guideCredit cards & borrowing
What is an unauthorized use of a credit card?
Official guideStudent loans
What are private student loans?
Official guideDebt collection & hardship
How do I get a debt collector to stop calling or contacting me?
Official guideAuto loans
What is a loan-to-value ratio in an auto loan?
Official guideHome equity & HELOC
Does a HELOC affect my ability to refinance my first mortgage loan?
Official guideCredit reports & scores
How do I get and keep a good credit score?
Official guideMortgages & homebuying
What is the difference between a fixed-rate and adjustable-rate mortgage (ARM) loan?
Official guidePersonal loans & borrowing
What is a VA loan?
Official guideCredit cards & borrowing
What is a "daily periodic rate" on a credit card?
Official guideStudent loans
What is student loan forbearance?
Official guideDebt collection & hardship
How do I negotiate a settlement with a debt collector?
Official guideAuto loans
What is included in the monthly auto loan payment?
Official guideHome equity & HELOC
Can two unmarried people apply jointly for a mortgage or a home equity loan?
Official guideCredit reports & scores
How do I get a free copy of my credit reports?
Official guideMortgages & homebuying
What is a mortgage?
Official guidePersonal loans & borrowing
What is an FHA loan?
Official guideCredit cards & borrowing
What is a credit balance on my credit card bill?
Official guideStudent loans
What is a co-signer for a student loan?
Official guideDebt collection & hardship
What is a debt collector and why are they contacting me?
Official guideAuto loans
How do I know who my auto loan lender or servicer is?
Official guideHome equity & HELOC
Can a lender ask about your children or dependents when applying for a mortgage or home equity loan?
Official guideCredit reports & scores
How do I dispute an error on my credit report?
Official guideMortgages & homebuying
What is a Loan Estimate?
Official guidePersonal loans & borrowing
What is a PACE loan?
Official guideCredit cards & borrowing
How do I dispute a charge on my credit card bill?
Official guideStudent loans
How much should I borrow in student loans?
Official guideDebt collection & hardship
How do I tell if a debt collector is legitimate or a scam?
Official guideAuto loans
What is a Truth-in-Lending disclosure for an auto loan?
Official guideHome equity & HELOC
What other types of loans are similar to a HELOC?
Official guideCredit reports & scores
How do I check to see if a child has a credit report?
Official guideMortgages & homebuying
What is a reverse mortgage?
Official guidePersonal loans & borrowing
What is a jumbo loan?
Official guideCredit cards & borrowing
What is a credit card interest rate? What does APR mean?
Official guideStudent loans
What are the signs of a student loan scam?
Official guideDebt collection & hardship
What is an unfair, deceptive or abusive practice by a debt collector?
Official guideAuto loans
How much can I afford to borrow for a car or auto loan?
Official guideHome equity & HELOC
What fees can my lender charge if I take out a HELOC?
Official guideCredit reports & scores
How can I find out who has accessed my credit report?
Official guideMortgages & homebuying
What is a subprime mortgage?
Official guidePersonal loans & borrowing
What is a payday loan?
Official guideCredit cards & borrowing
How do I remove an authorized user from my credit card account?
Official guideStudent loans
What are the interest rates on my student loans?
Official guideDebt collection & hardship
How do I find a lawyer to help me with a creditor or collector trying to collect a debt from me?
Official guideAuto loans
What is amortization and how could it affect my auto loan?
Official guideHome equity & HELOC
Can a lender consider your age when deciding whether to give you a mortgage or home equity loan?
Official guideCredit reports & scores
What is a credit freeze or security freeze on my credit report?
Official guideMortgages & homebuying
What is mortgage forbearance?
Official guidePersonal loans & borrowing
What is a Perkins loan?
Official guideCredit cards & borrowing
How can I get a refund on a product or service I purchased with my credit card?
Official guideStudent loans
How do I find out information about my student loans?
Official guideDebt collection & hardship
I'm a servicemember and I'm being contacted by a debt collector about a debt. What are my rights and where can I get help?
Official guideAuto loans
What is a “no credit check” or “buy here, pay here” auto loan or dealership?
Official guideHome equity & HELOC
I wanted to take out a Home Equity Line of Credit but my lender told me the terms have changed. What can I do?
Official guideCredit reports & scores
How do I remove debts that are listed multiple times from my credit report?
Official guideMortgages & homebuying
What is a Closing Disclosure?
Official guidePersonal loans & borrowing
What is a Stafford loan?
Official guideCredit cards & borrowing
If I pay off my credit card balance when it is due, is the company allowed to charge me interest for that month?
Official guideStudent loans
What is an Extended Repayment Plan for federal student loans?
Official guideDebt collection & hardship
What laws limit what debt collectors can say or do?
Official guideAuto loans
What are debt cancellation or suspension products offered with my auto loan?
Official guideHome equity & HELOC
If I am married, can a lender or broker turn down my application for a mortgage or home equity loan in my own name?
Official guideCredit reports & scores
What are common credit report errors that I should look for on my credit report?
Official guideMortgages & homebuying
What is a Qualified Mortgage?
Official guidePersonal loans & borrowing
What is a subsidized loan?
Official guideCredit cards & borrowing
Can the card issuer request information about my income, my age, and my Social Security Number when I apply for a credit card?
Official guideStudent loans
What is the best student loan forgiveness option for teachers?
Official guideDebt collection & hardship
What should I do when a debt collector contacts me?
Official guideAuto loans
Is it better to pay off the interest or principal on my auto loan?
Official guideHome equity & HELOC
Can a lender or broker consider my sex or marital status when deciding whether to give me a mortgage or home equity loan?
Official guideCredit reports & scores
What can I do if my credit application was denied because of my credit report?
Official guideMortgages & homebuying
What are late fees on a mortgage?
Official guidePersonal loans & borrowing
What is a conforming loan?
Official guideCredit cards & borrowing
A box on my credit card bill says that I will pay off the balance in three years if I pay a certain amount. What does that mean? Do I have to pay that much? If I pay that much and make new purchases will I still owe nothing after three years?
Official guideStudent loans
What are my options if a debt collection agency contacts me about my student loans?
Official guideDebt collection & hardship
Can a debt collector contact me through social media?
Official guideAuto loans
What's the difference between a simple interest rate and precomputed interest on an auto loan?
Official guideHome equity & HELOC
Can a lender or broker consider whether I receive income from a public assistance program when deciding whether to give me a mortgage or home equity loan?
Official guideCredit reports & scores
I’m a victim of trafficking. How can I block items from my credit report that are the result of trafficking?
Official guideMortgages & homebuying
What is an initial escrow deposit?
Official guidePersonal loans & borrowing
What is a Direct PLUS loan?
Official guideCredit cards & borrowing
Can the credit card company sell my account?
Official guideStudent loans
Should I consolidate or refinance my student loans?
Official guideDebt collection & hardship
What may happen if I ignore or avoid a debt collector?
Official guideAuto loans
Can a lender or dealer ask me about the alimony, child support, or separate maintenance payments that I receive when I apply for an auto loan?
Official guideCredit reports & scores
Where can I get my credit scores?
Official guideMortgages & homebuying
What is a zombie second mortgage?
Official guidePersonal loans & borrowing
What is graduated repayment?
Official guideCredit cards & borrowing
My new credit card won't work. What should I do?
Official guideStudent loans
How long does it take to pay off a student loan?
Official guideDebt collection & hardship
Can a debt collector take or garnish my wages or benefits?
Official guideAuto loans
When are late fees charged on a car loan?
Official guideCredit reports & scores
Do I have to pay for my credit score?
Official guideMortgages & homebuying
What is private mortgage insurance?
Official guidePersonal loans & borrowing
What is a conventional loan?
Official guideCredit cards & borrowing
Does it hurt my credit to close a credit card?
Official guideStudent loans
When and how do I start paying my student loans?
Official guideDebt collection & hardship
Should I share personal information with a debt collector?
Official guideAuto loans
How does a down payment affect my auto loan?
Official guideCredit reports & scores
When should I review my credit report?
Official guideMortgages & homebuying
How can I tell who owns my mortgage?
Official guidePersonal loans & borrowing
What is a construction loan?
Official guideCredit cards & borrowing
Can my credit card issuer reduce my credit limit?
Official guideStudent loans
Can I pay off my student loan in full at any time?
Official guideDebt collection & hardship
Can debt collectors collect a debt that’s several years old?
Official guideAuto loans
Why would I need a co-signer for an auto loan?
Official guideCredit reports & scores
Does late rent affect my credit score?
Official guideMortgages & homebuying
What is a “piggyback” second mortgage?
Official guidePersonal loans & borrowing
What is a prepayment penalty?
Official guideCredit cards & borrowing
Why did I get a low credit limit on a credit card?
Official guideStudent loans
Do student loans affect my taxes?
Official guideDebt collection & hardship
What should I do if I’m sued by a debt collector or creditor?
Official guideAuto loans
Where can I get information on auto loan rates?
Official guideCredit reports & scores
Who can request to see my credit report?
Official guideMortgages & homebuying
What is a mortgage loan modification?
Official guidePersonal loans & borrowing
How do I repay a payday loan?
Official guideCredit cards & borrowing
Can I withdraw money from my credit card at an ATM?
Official guideStudent loans
Should I consolidate my federal student loans into a federal Direct Consolidation Loan?
Official guideDebt collection & hardship
Can a debt collector take my federal benefits, like Social Security or VA payments?
Official guideAuto loans
Should I agree to co-sign someone else’s car loan?
Official guideCredit reports & scores
How long does information stay on my credit report?
Official guideMortgages & homebuying
What is an escrow or impound account?
Official guidePersonal loans & borrowing
What is an "interest-only" loan?
Official guideCredit cards & borrowing
Am I responsible for charges on a joint credit card account if I didn’t make them?
Official guideStudent loans
Who can I talk to about my options for taking out student loans?
Official guideDebt collection & hardship
Can a debt collector contact me about a debt after a divorce?
Official guideAuto loans
How will shopping for an auto loan affect my credit?
Official guideCredit reports & scores
How long does a bankruptcy appear on credit reports?
Official guideMortgages & homebuying
What is a deed-in-lieu of foreclosure?
Official guidePersonal loans & borrowing
What is a federal Direct Loan?
Official guideCredit cards & borrowing
What should I do if I didn’t receive my credit card bill?
Official guideStudent loans
Do student loans affect my credit score?
Official guideDebt collection & hardship
When and how often can a debt collector call me on the phone?
Official guideAuto loans
Am I required to get my auto loan through a dealership?
Official guideCredit reports & scores
Does requesting my credit report hurt my credit score?
Official guideMortgages & homebuying
What is a "higher-priced mortgage loan"?
Official guidePersonal loans & borrowing
What is a debt-to-income ratio?
Official guideCredit cards & borrowing
When is my credit card payment considered late?
Official guideStudent loans
Should I consolidate my private student loans?
Official guideDebt collection & hardship
Can a debt collector still collect a debt after I’ve disputed it?
Official guideAuto loans
What should I know before I finalize a car or auto loan?
Official guideCredit reports & scores
When can a credit card company look at my credit reports?
Official guideMortgages & homebuying
What is a repayment plan on a mortgage?
Official guidePersonal loans & borrowing
What is lender's title insurance?
Official guideCredit cards & borrowing
What should I do if I can’t pay my credit card bills?
Official guideStudent loans
What should I do if I can't afford my student loan payment?
Official guideDebt collection & hardship
Can a debt collector increase the interest rate on a debt I owe?
Official guideAuto loans
Can I negotiate a car loan interest rate with the dealer?
Official guideCredit reports & scores
I bounced a check. Will this show up on my credit report?
Official guideMortgages & homebuying
What is the finance charge on a mortgage?
Official guidePersonal loans & borrowing
What are prepaid interest charges?
Official guideCredit cards & borrowing
I want to close my credit card account. What should I do?
Official guideStudent loans
Can I make additional payments on my student loan?
Official guideDebt collection & hardship
Can a debt collector contact me about a deceased relative’s debts?
Official guideAuto loans
What things can I negotiate when shopping for a car or auto loan?
Official guideCredit reports & scores
Will a Buy Now, Pay Later (BNPL) loan impact my credit scores?
Official guideMortgages & homebuying
What are mortgage loan modification scams?
Official guidePersonal loans & borrowing
What is the ability-to-repay rule?
Official guideCredit cards & borrowing
Can my credit card company change the terms of my account?
Official guideStudent loans
Is forbearance or deferment available for private student loans?
Official guideDebt collection & hardship
What information does a debt collector have to give me about a debt they’re trying to collect from me?
Official guideAuto loans
How does a lender decide what interest rate to offer me on an auto loan?
Official guideCredit reports & scores
Why are some of my debts not showing up on my credit report?
Official guideMortgages & homebuying
How much does a reverse mortgage loan cost?
Official guidePersonal loans & borrowing
What is a personal installment loan?
Official guideCredit cards & borrowing
Why did my credit card issuer increase my late payment fee?
Official guideStudent loans
What happens if I default on a private student loan?
Official guideDebt collection & hardship
Is it a scam if a debt collector calls me after seeing my relative's obituary?
Official guideAuto loans
Can the dealer increase the interest rate after I drive the vehicle home?
Official guideCredit reports & scores
How long does it take to repair an error on a credit report?
Official guideMortgages & homebuying
How do I manage my monthly mortgage payment?
Official guidePersonal loans & borrowing
What is a Buy Now, Pay Later (BNPL) loan?
Official guideCredit cards & borrowing
How are prepaid cards, debit cards, and credit cards different?
Official guideStudent loans
What happens if I default on a federal student loan?
Official guideDebt collection & hardship
Can a debt collector try to collect on a debt that was discharged in bankruptcy?
Official guideAuto loans
What should I do if I think an auto dealer or lender is breaking the law?
Official guideCredit reports & scores
What kind of credit inquiry has no effect on my credit score?
Official guideMortgages & homebuying
What is a second mortgage loan or "junior-lien"?
Official guidePersonal loans & borrowing
What is a USDA Rural Housing Service loan?
Official guideCredit cards & borrowing
Why do I receive so many offers for new credit cards in the mail?
Official guideStudent loans
How is my student loan payment applied to my account?
Official guideDebt collection & hardship
Can a payday lender garnish my bank account or my wages if I don't repay the loan?
Official guideAuto loans
What should I know before I shop for a car or auto loan?
Official guideCredit reports & scores
If I dispute a debt, how does that show up on my credit report?
Official guideMortgages & homebuying
What is mortgage insurance and how does it work?
Official guidePersonal loans & borrowing
What are the FHA loan limits for my county?
Official guideCredit cards & borrowing
Can I make issuers stop sending me credit card offers in the mail?
Official guideStudent loans
When do I need to start paying my private student loans?
Official guideDebt collection & hardship
Can debt collectors tell other people, like family, friends, or my employer, about my debt?
Official guideAuto loans
Can a lender or dealer consider my sex, marital status, or dependents when deciding whether to give me an auto loan?
Official guideCredit reports & scores
When can a debt collector report my debt to a credit reporting company?
Official guideMortgages & homebuying
How much does it cost to receive a Loan Estimate?
Official guidePersonal loans & borrowing
What is Public Service Loan Forgiveness (PSLF)?
Official guideCredit cards & borrowing
Will paying off my credit card balance every month improve my credit score?
Official guideStudent loans
Where can I file a financial aid or student loan complaint?
Official guideDebt collection & hardship
What can I do if a debt collector contacts me about a debt I already paid or don't think I owe?
Official guideAuto loans
Am I required to purchase an extended warranty, Guaranteed Asset Protection (GAP) insurance, or credit insurance from a lender or dealer to get an auto loan?
Official guideCredit reports & scores
What if I disagree with the results of my credit report dispute?
Official guideMortgages & homebuying
What are government recording charges for a mortgage?
Official guidePersonal loans & borrowing
How can I enroll in Income-Driven Repayment?
Official guideCredit cards & borrowing
Can a credit card company charge me interest after I close my account?
Official guideStudent loans
What happens to my student loans if I die or become disabled?
Official guideDebt collection & hardship
I'm in the military. Can a debt collector have my security clearance revoked if I fall behind on paying my debt?
Official guideAuto loans
I’m in the military and having trouble paying my auto loan. What should I know about auto repossession and protections under the Servicemembers Civil Relief Act (SCRA)?
Official guideCredit reports & scores
If my spouse has a bad credit score, does it affect my credit score?
Official guideMortgages & homebuying
What is a mortgage "closing?" What happens at the closing?
Official guidePersonal loans & borrowing
What are the costs and fees for a payday loan?
Official guideCredit cards & borrowing
How does my credit card company calculate the amount of interest I owe?
Official guideStudent loans
What happens to my federal student loans if my income drops?
Official guideCredit reports & scores
Do joint credit card accounts with my spouse affect my credit score?
Official guideMortgages & homebuying
What is TRID and what does it mean for my mortgage loan?
Official guidePersonal loans & borrowing
What is a payoff amount and is it the same as my current balance?
Official guideCredit cards & borrowing
What should I do if my payment does not show on my credit card statement?
Official guideStudent loans
What student loan option is best for me: federal student loans or private student loans?
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