When purchasing a product that offers a rebate, be sure to send in all required materials, but keep copies for yourself. If the rebate does not come within the time promised, report the company to the FTC or your state Attorney General.
Beware of free trials. Often, signing up for one means agreeing to a membership that automatically goes into effect (and begins billing you) after the “trial” period is over. Also look out for nonrefundable fees, automatic billing, and the process for canceling.
When taking out a loan, check out the reliability of the loan company by researching them through the Better Business Bureau, your state attorney general’s office, and any other source you can find to make sure the lender is reputable!
Forget about companies advertising free credit reports–your reports are already free! You are allowed by law to get one free credit report from each of the three major credit bureaus, Equifax, Experian, and TransUnion, every year.
Be wary of “debt consolidation” and “debt management plans” that require up-front payment, pay agents on commission, or charge exorbitant fees. These may be scams that will only get you further into debt.