Consumer's Resource Handbook, 1992

Front Cover
DIANE Publishing, Dec 1, 1993 - 97 pages
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Includes: corporate consumer contacts; better business bureaus; trade association & other dispute resolution programs; state, county & city government consumer offices; selected federal agencies; military commissary & exchange contacts; media programs; occupational & professional licensing boards; legal help; consumer credit counseling services; consumer groups & much more. Especially helpful for consumer complaints or problems

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Page 108 - Department of Veterans Affairs, 810 Vermont Avenue, NW., Washington, DC 20420, (202) 233-3005.
Page 20 - Number (EIN), in place of your Social Security Number in applying for credit; or • says it is legal to establish a new credit identity. You can rebuild your good credit by handling credit responsibly. You might consider contacting a Consumer Credit Counseling Service office, which are nonprofit organizations that will provide help at little or no cost to you. These agencies are listed in the State and Local Organizations section on the following pages.
Page 21 - A creditor is someone to whom you owe money. When you apply for credit, a creditor may not: • ask about or consider your sex, race, national origin, or religion; • ask about your marital status or your spouse, unless you are applying for a joint account, relying on your spouse's income, or you live in a community property...
Page 113 - NATIONAL ENDOWMENT FOR THE ARTS 1100 Pennsylvania Avenue, NW, Washington DC 20506. 202/682-5400.
Page 9 - Do not agree to buy a car unless you've had it inspected by an independent mechanic of your choice. • Ask questions about the previous ownership and mechanical history of the car. Contact the former owner to find out if the car was in an accident or had any other problems. • Check with your local department of motor vehicles to find out what you need in order to register a car. • Ask the previous owner or the manufacturer for a copy of the original manufacturer's warranty. It still might be...
Page 27 - ... the poison control emergency number near your phone. Get rid of old and dated products. • Look for tamper-resistant packaging on foods and medicine. • Watch out for dinnerware decorated with lead paint or glaze, and for lead crystal decanters. • Contact the Auto Safety Hotline at (888)327-4236 to report safety problems, and to obtain recall and safety information on new and used cars, trucks, motorcycles, motor homes, child seats, and other motor vehicle equipment. The US Office of Consumer...
Page 16 - Mail it within the three-day limit, making sure it's post-marked before midnight of the third business day. Sending it by certified mail will show proof that it was mailed. • If you were not given the cancellation form at the time of sale, your right to cancel continues until three days after the seller finally gives it to you. You can write your own letter cancelling the sale and send it return receipt requested.
Page 19 - These cards usually require you to set aside money in a separate bank account in an amount equal to the line of credit on the card to guarantee that you will pay the credit card debt. Some of these offers advertise that secured cards can be used to repair a bad credit record, but no matter how well you handle this account, your payment history on your past debts still will be taken into consideration when you apply for credit, employment, or housing.
Page 21 - Washington); xxxvii • refuse to consider reliable public assistance income or regularly received alimony or child support; • discount or refuse to consider income because of your sex or marital status, or because it is from part-time work or retirement benefits. • You have the right to: have credit in your birth name, your first name, and your spouse's last name, or your first name and a combined last name; • have a co-signer other than your spouse if one is necessary; • keep your own...
Page 20 - Credit Repair You might see or hear ads from companies that promise to "clean up" or "erase" your bad credit and give you a fresh start. They charge high fees, usually hundreds of dollars, but do not deliver on their promises. If you are thinking of paying someone to "repair" your credit, remember this: • Negative credit information can be reported for 7 years (10 years for a bankruptcy).

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