Search or Tap for Answers Here:

Can I open a bank account on my own, without my parent?


Yes, this is possible. It is recommended that if you are a minor, you should call the bank beforehand and verify their willingness to open an account for you without a parent or guardian co-signer. While Ohio law does allow for minors to open bank accounts, each bank has their own guidelines and policies. You will also want to find out what documents you’ll need.




What right do I have to dispute information in banking systems, like ChexSystems and Early Warning System?


The Fair Credit Reporting Act (FCRA) states that you have a right to obtain a copy of the report and file a dispute for any incorrect information that you find. If you’ve been told that you cannot open an account based on information from one of these systems and have not yet received a letter with information on how to contact the provider to make the request for your copy of the report, you should contact the bank where you applied.




I was just denied credit; can I see what is on my credit report?


Yes. You can expect to receive a letter within 30 days that states the following:

  • Why you were denied credit
  • What your credit score was at the time of your application for credit
  • The contact information for the credit bureau
You will want to use the credit bureau’s information to request a copy of your credit report. Your request must be made within 60 days of the date on the credit bureau’s letter.




Am I allowed to get a copy of my credit report on my own?


Yes. You have the right to obtain one free copy of your credit report from the three major credit bureaus once a year. These free copies can be obtained by going to AnnualCreditReport.com.




How can I find out my credit score?


Typically, you pay a fee to the credit bureau that you are requesting your score from and they will provide you with your credit score.




Do I have to pay taxes?


If you work, you must pay taxes. If you are self-employed or are an independent contractor, it suggested that you pay your taxes on a quarterly basis to avoid having to pay a large tax bill at the beginning of the year.




I’m self-employed and expecting a refund; do I still have to pay taxes?


It is recommended that you still pay taxes throughout the year, even if you are expecting a tax refund. There are many factors that can affect whether you receive a refund or have to pay.




Do I have to pay taxes on things that I buy online?


Yes. When you buy items online and taxes are not charged, you are responsible for paying these taxes when you file your state income taxes.




What are my rights when it comes to debt collectors?


Debt collectors must tell you, in writing within five days, how much money you owe and who the money is owed to. You also have the right to ask the debt collector to send you proof of the reported debt. There are specific practices that debt collectors cannot do, and these include:

  • Using fake names or lying – this includes misrepresenting themselves as an attorney, government agency or representative from a bank or credit bureau, and the amount of the debt that is owed.
  • Making threats – this includes telling falsely representing that you’ve committed a crime.
  • Calling your phone before 8:00 AM or after 9:00 PM.
  • Speak to you using vulgar or offensive language.
  • Avoiding identifying themselves when they call you.
  • Telling other people about the money that you owe.
  • Publicly posting your name or information and the debt that you owe.




I’m being contacted about a debt that I don’t believe is mine. Can I dispute this debt?


Yes, you can dispute any debt that you do not believe that you owe. Although you can contact the debt collector via phone and file your dispute, it suggested that you file your dispute in writing.





Search or Tap for Answers Here:

Can I open a bank account on my own, without my parent?


Yes, this is possible. It is recommended that if you are a minor, you should call the bank beforehand and verify their willingness to open an account for you without a parent or guardian co-signer. While Ohio law does allow for minors to open bank accounts, each bank has their own guidelines and policies. You will also want to find out what documents you’ll need.




What right do I have to dispute information in banking systems, like ChexSystems and Early Warning System?


The Fair Credit Reporting Act (FCRA) states that you have a right to obtain a copy of the report and file a dispute for any incorrect information that you find. If you’ve been told that you cannot open an account based on information from one of these systems and have not yet received a letter with information on how to contact the provider to make the request for your copy of the report, you should contact the bank where you applied.




I was just denied credit; can I see what is on my credit report?


Yes. You can expect to receive a letter within 30 days that states the following:

  • Why you were denied credit
  • What your credit score was at the time of your application for credit
  • The contact information for the credit bureau
You will want to use the credit bureau’s information to request a copy of your credit report. Your request must be made within 60 days of the date on the credit bureau’s letter.




Am I allowed to get a copy of my credit report on my own?


Yes. You have the right to obtain one free copy of your credit report from the three major credit bureaus once a year. These free copies can be obtained by going to AnnualCreditReport.com.




How can I find out my credit score?


Typically, you pay a fee to the credit bureau that you are requesting your score from and they will provide you with your credit score.




Do I have to pay taxes?


If you work, you must pay taxes. If you are self-employed or are an independent contractor, it suggested that you pay your taxes on a quarterly basis to avoid having to pay a large tax bill at the beginning of the year.




I’m self-employed and expecting a refund; do I still have to pay taxes?


It is recommended that you still pay taxes throughout the year, even if you are expecting a tax refund. There are many factors that can affect whether you receive a refund or have to pay.




Do I have to pay taxes on things that I buy online?


Yes. When you buy items online and taxes are not charged, you are responsible for paying these taxes when you file your state income taxes.




What are my rights when it comes to debt collectors?


Debt collectors must tell you, in writing within five days, how much money you owe and who the money is owed to. You also have the right to ask the debt collector to send you proof of the reported debt. There are specific practices that debt collectors cannot do, and these include:

  • Using fake names or lying – this includes misrepresenting themselves as an attorney, government agency or representative from a bank or credit bureau, and the amount of the debt that is owed.
  • Making threats – this includes telling falsely representing that you’ve committed a crime.
  • Calling your phone before 8:00 AM or after 9:00 PM.
  • Speak to you using vulgar or offensive language.
  • Avoiding identifying themselves when they call you.
  • Telling other people about the money that you owe.
  • Publicly posting your name or information and the debt that you owe.




I’m being contacted about a debt that I don’t believe is mine. Can I dispute this debt?


Yes, you can dispute any debt that you do not believe that you owe. Although you can contact the debt collector via phone and file your dispute, it suggested that you file your dispute in writing.





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