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Read More Buying by Phone When buying a service or product over the phone, consumers should take the following precautions: when you are solicited over the phone, don’t be pressured into buying anything “on the spot.” And, ask for written material to be sent. If it is costly, or a “large ticket” item, ask for references. Ask how long ...
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Read More Buying by Mail According to the mail order merchandise rule, a seller must ship your order when promised. If no specific delivery time is given or agreed upon, the seller must ship the merchandise no later than 30 days after receiving your order. If the promised shipping date or the 30-day period cannot be met, the seller ...
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1/15/13 ...
Read More How to Buy Services Buying a service from a person licensed to do professional or vocational work is very different from buying merchandise in a store where you can see the product on the shelf and know exactly what you are getting. Buying a service requires that you have as accurate as possible, an understanding of what ...
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1/15/13 ...
Read More How to Buy Products It pays to comparison shop and to spend the time and effort that is required to be a smart consumer. So, before buying a product, especially if it costs more than just a few dollars, read up about it first. Consumer magazines can give you a good idea of what’s on the market ...
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Read More Loans Most financial institutions will approve or deny loan applications on the basis of information they receive from national and local credit reporting agencies. These CRA’s, as they are commonly known, gather and sell data that show how consistently you’ve paid your bills, whether you have any judgements against you, and whether you’ve filed for ...
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3/15/13 ...
Read More Credit Cards Before applying for a credit card or accepting an offer of one, learn what credit terms and conditions apply. A credit card usually involves a charge for the convenience of borrowing, plus other costs. Consider the following when you shop for a credit card. The ANNUAL PERCENTAGE RATE is expressed as a yearly ...
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Read More Credit Tips When borrowing money or applying for credit, it’s important to comparison shop first by getting full information on the credit and lease terms of different lenders. The Truth In Lending Act prohibits “bait and switch” tactics in advertising consumer credit and leases. No advertisement may state that a specific amount of credit or a ...
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6/18/12 ...
Read More What Do You Do If Your Identity is Stolen Here’s what to do if your identity is stolen: Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file.The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts.As soon as ...
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Read More Tips to Protect Yourself Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission, to commit fraud or other crimes. Here are ten ways to protect yourself from identity theft. Guard your personal information such as Social Security Card, Birth Certificate, Passport, ...
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Read More What Should I Do If I have a Landlord/Tenant Problem? If you have a residential landlord/tenant problem, there are a number of things you can do: Call the Landlord/Tenant Information Center at 586-2634. Center staff can provide you with information about Hawaii’s Residential Landlord/Tenant Code. The Landlord/Tenant Information Center operates from 8:00 a.m. to 12:00 noon, Mondays thru Fridays, except on state holidays. Get ...
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