Consumer Information/Debt   Management Resources


The links to the articles and tools are provided for information purposes only. The Arizona Title Loan Association does not endorse the views expressed in any of the articles or information linked to or from this page.

An Auto Title Loan should only be used as a short-term loan to solve an immediate need. By using Auto Title Loans responsibly, you can effectively deal with unexpected financial emergencies. You should evaluate the costs and benefits of all your alternatives before seeking an Auto Title Loan to determine if more favorable options are available to you.

Below are financial resources that may be helpful to you:

National Foundation for Credit Counseling

If you need long-term financial assistance, the National Foundation for Credit Counseling provides credit counseling services. The Foundation can be researched at www.nfcc.org or contact the Foundation at 1.800.388.2227 to talk to a counselor or find a center near you.

Para ayuda en Español llama al 1-800-682-9832

The National Foundation for Credit Counseling also has numerous consumer tools, including budget worksheets, consumer tips and financial calculators. Please visit www.nfcc.org/consumer_tools/ConsumerTools.cfm for these resources.



Credit Reports

You are entitled to a free credit file disclosure, commonly known as a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

Please visit www.annualcreditreport.com to request your free credit report. This central site allows you to access your report from all three companies.



FICO Score

FICO scores are the credit scores that most lenders use to determine your credit risk. Your FICO credit scores (you have 1 score from each of the 3 major credit reporting companies) can affect how much money a lender will lend you and at what terms (interest rate). The following site provides information on FICO scores and credit:

http://www.myfico.com/CreditEducation/



Banking, Investing & Credit

  • BankRate.com provides information on mortgages, investments, checking and savings accounts, debt management, insurance, retirement accounts and other financial information.


  • The Federal Reserve, the central bank of the United States, provides information on how to protect yourself from overdraft and bounced-check fees click here.

    En Español.


  • The Arizona Department of Financial Institutions has prepared a consumer credit guide, which provides information on how credit works, where it can be obtained and what to do if you are turned down for credit. To download the guide, click here.


Other Financial Education Resources

  • The Federal Reserve, the central bank of the United States, provides information on creating a secure financial future in A Beginner’s Guide to Securing Your Financial Future.


  • The Federal Reserve also provides information and links to agencies and organizations that may be able to help you with your savings goals. To find them click here.


  • MyMoney.gov is the U.S. government's website dedicated to teaching all Americans the basics about financial education.

 
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