Texas Attorney General, Greg Abbott, reached a settlement last month with Universal Underwriters Life Insurance Company who unlawfully withheld insurance premiums from more than 12,000 Texans who paid off their vehicle loans early. 
Under the terms of the settlement, Universal Underwriters agreed to refund insurance premiums worth $2.4 million to Texas policyholders whose loans terminated [...]

In Texas, a business can not penalize you for paying with a credit card. Businesses that add a surcharge to those who pay by credit card might be violating provisions of the Texas Finance Code.
However, businesses can discount the regular retail price of an item for consumers who pay cash. If you believe a [...]

Only people with a legitimate business need, as specified by the Fair Credit Reporting Act, can look at you report without your permission.  For example, if you apply for credit, insurance, employment, or to rent an apartment, the company is allowed to obtain your report. 
A Consumer Reporting Agency (CRA) is not allowed to give [...]

Employers may use consumer reports when they hire new employees and when they evaluate employees for promotion, reassignment, and retention provided they comply with the Fair Credit Reporting Act (sections 604, 606, and 615).  A consumer report is any report that contains information about a person’s personal and credit characteristics, character, general reputation, and lifestyle.  [...]

Many people just starting out have no credit history and may find it tough to get a loan or credit card, but establishing a credit history is not as difficult as it seems.  Usually local stores are more willing to extend credit to someone with no credit history - so apply for a credit card [...]

Never lend it to anyone. 
Never sign a blank charge slip. Draw lines through blank spaces on charge slips above the total so that the amount can’t be changed.
Never put your account number on the outside of an envelope or on a postcard.
Always be cautious about disclosing your account number on the telephone unless you [...]

Consumers Beware!  Most credit repair companies require you to pay money upfront and/or on monthly basis to "help" you fix your credit report.   Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they promised.  If you have paid money to a credit repair organization [...]

Many companies and individuals claim they can clean your credit.  When I see these advertisements - my skin crawls!  If you see one of these offers, do yourself a favor (and save yourself some money) - don’t believe the statement.  If you have had a repo, foreclosure, bankruptcy or been behind on your bills in [...]