Consumer credit transactions are regulated both at the Federal and the State level. While there is considerable variation among State laws governing consumer credit transactions, most are based on Federal laws and various versions of State laws covering several standard areas.

Citi Free Credit Scores will provide free credit scores to their credit card customers and the bank will begin providing these scores on a monthly basis beginning in January, 2015.

The Wal-Mart Credit Card is offered by GE Money Bank for Wal-Mart customers. Credit card benefits may include online account management and cash promotions for approved applications. Online account access includes credit card statements, payments, request for credit limit increases, and email and phone alerts.

Understand that a 600 credit score will not bring you reasonable mortgage offers. While you may have an option or two, you will not find a choice that mirrors the home loan rates you read about. You might find a lender willing to offer you a mortgage if you can strongly defend the circumstances that caused your depressed credit score. Your best option, in these circumstances, is an FHA loan.

Following the lead of Discover, Barclay’s and Citibank, Chase Bank will begin offering some of its customers their free FICO Score. This access will help consumers determine where they stand before they apply for credit, apartments, cell phones and more. Here’s what you need to know about FICO Scores and how to access them for free.