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The Military Lending Act Explained: What the 36% Cap Covers, What It Doesn’t, and Why Your Mortgage Is Not on the List
The Military Lending Act caps the cost of most consumer credit at 36% for active duty service members and their families. It does not cover your mortgage. It does not cover the car loan from the lot outside the gate. Knowing which loans it covers, and which it skips, is the difference between a clean…
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Military Credit Protections: Active Duty Alert vs. Credit Freeze vs. Free Monitoring, and Which to Use Before a Mortgage
Military credit protections are free, they are federal law, and most service members use the wrong one at the wrong time. An active duty alert, a credit freeze, free credit monitoring, and free weekly credit reports each do a different job. One of them will stop a mortgage application cold if you forget it is…
