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Get Smart About Credit
Publications
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How Much Debt is Too Much? (Fact Sheet) (PDF File)
The amount of credit you can handle comfortably depends on your income, your living expenses, and your current debt obligations. The size and lifecycle stage of people in the household will also influence your "debt comfort level."
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How to Get Your Free Credit Report? (Fact Sheet) (PDF File)
A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the three nationwide consumer reporting companies to provide free copy of credit reports once every 12 months.
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Lending Money to Family Members. (MT199323HR)
Analyzes not only the potential hazards of loaning money to relatives but reviews the tax implications and other legal aspects of the various options you have in making a loan, co-signing a loan, and designating a loan as a gift. (2002)
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Payday Loans-Laws Protecting Montana Borrowers. (MT200102HR)
Payday loans are one way for consumers to get short-term loans for up to $300. However, they have very high annual percentage rates. This publication shows you how to calculate the final cost of the loan and includes the rights and responsibilities of the borrowers and lenders. (2002)
Or view this MontGuide in a printable pdf format
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PowerPay© Your Way Out of Debt
A confidential and free money-saving service from Utah State University-Extension. Fill in the online information to compute the results yourself.
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Rent-to-Own Contracts. (MT199812HR)
Important factors to consider as you comparison-shop for a rent-to-own contract. (1999)
Or view this MontGuide in a printable pdf format.
- Selecting a Credit Card. (MT199802HR)
What you see isn't always what you get when you choose a credit card -- it pays to read the fine print. This guide outlines some of the important policies to look for. Includes credit card comparison chart. (2004)
- What Does Your Credit Score Say About You? (Fact Sheet) (PDF File)
Your credit score is a figure-usually between 300 and 850-that reflects your credit history. Lenders use your score to determine whether you're a good candidate for a loan and to decide interest rates and terms.
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