Welcome To Consumer Ed!
Making a major purchase or using credit can be a confusing and overwhelming experience, especially if you’re contemplating these decisions for the first time.
The Governor’s Office of Consumer Affairs has designed this website as a comprehensive resource to help you make wise decisions – whether you’re buying a car, getting your first house or apartment, applying for credit, or trying to manage your money. Follow ConsumerEd to learn more about these important topics.
Tell Us What You Think
We invite you to fill out the Consumer Ed Feedback Form
Budget Worksheet
Begin taking control of your finances by creating a detailed budget.
Facebook Ed
Join our facebook community.
Ask Consumer Ed
Dear Consumer Ed:
I ran up some debt a few years ago when I was out of work and couldn’t pay my bills. This has hurt my credit rating, and I’m having a hard time getting approved for a loan as a result. Is there anything I can do to improve my credit score?
Consumer Ed says:
One of the best ways to improve your credit score is to establish new accounts and build a history of on-time payments. In addition, keep debt to a minimum by paying credit card balances in full each month, or at least paying more than the minimum. more>
Latest News
How the Credit CARD Act Will Affect Types of Credit Cards
Changes abound for rewards, low interest and student cards. more>
Covering next fall's college bills may take a little creativity. more>
Will the New Federal Housing Plan Help You? more>
How to steer clear of extended warranties that don't deliver on their promises... more>
Disreputable debt adjustment companies can put consumers into even greater debt. Know what to look out for. more>
Think twice before trading in a car that you still owe money on. If the dealer fails to pay off the loan, you are the one responsible to the lien holder. more>
Tips & Topics
Is that mortgage company legit?
The Nationwide Mortgage Licensing System & Registry has created a searchable website that allows the public to verify whether a mortgage company, branch or individual is licensed by the state.
Find out what pose the greatest threats to investors.
Prospective home buyers should watch out for these risky financing offers...
Learn which bad credit habits you need to scrap and the good habits you can replace them with.
Tired of renting? Consider these costs before you take the leap into home ownership.