Our Fast Track Mortgage can help you repay your existing loan in 15 years or less, potentially saving thousands of dollars. This article provides an overview of the Board's Regulation Z rules under §226.36(c) for mortgage loan servicers and §226.10 for open-end credit payments.Philadelphia Federal Credit Union's mortgage access tool can help ease your mind when it comes to home loan refinancing. Contact us today for more details. If you overpay, we will notify you and send you a form to get a refund of the amount you overpaid. Reduce your credit-card balances. If you are "maxed" out on your credit cards, this will affect your credit score negatively. Complaint Information. Please explain your complaint: Try to be brief, but be sure to tell WHAT happened, WHEN it happened and WHERE it happened.