2011 Consumer Action Handbook by Martha Johnson, GSA Administrator

By Martha Johnson, GSA Administrator

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47). Don舗t share personal information with someone you don舗t trust. Learn how to recognize fraud by following the advice on page 3. Beware of payday and tax refund loans. Interest rates on these loans are usually excessive. Even a cash advance on a credit card may be a better option. For more information, see page 16. Real estate agents represent the seller, not the buyer. When buying, consider hiring an agent or lawyer to represent you (p. 24). Home improvement (p. 27) and auto repairs (p. 9) are the subjects of frequent complaints.

Other sources of information include the HUD Housing Counseling Clearinghouse at 1-800-569-4287, the FTC (p. 110), and the National Consumer Law Center (p. 115). You have the right to a FREE annual Credit Report (see 舠FREE CREDIT REPORTS舡 box, p. 13). CREDIT CARDS Chances are, you舗ve received 舠pre-approved舡 credit card offers in the mail. Examine the fine print carefully before you accept any offer for a credit or charge card. Look for: The Annual Percentage Rate (APR). If the interest rate is variable, how is it determined, and when can it change?

9) are the subjects of frequent complaints. Getting a second opinion can help prevent costly mistakes and enable you to make better decisions. Think twice before you rent-to-own. Interest rates on rent-to-own purchases can be very high. If you miss a payment, you could end up with nothing. Consider buying secondhand at a thrift shop or through ads in your local newspaper. Be cautious of Buy Here, Pay Here lots. If you decide to buy a car from a used car lot, be sure to read all of the papers before you sign.

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