If your credit, ATM, or debit card is lost or stolen, federal law limits your liability for unauthorized charges. Your protection against unauthorized charges depends on the type of card — and when you report the loss.
Payday loans go by a variety of names, including "deferred presentments", "cash advances", deferred deposits", or "check loans", but they all work in the same way.
Beware of credit repair companies. There are many things you can do on your own for free to "fix" your credit or to rebuild your credit.
Tips on finding a reputable credit counseling agency and reasons to reject one. Consumer Facts for older Americans.