Whether you are establishing credit for the first time or re-establishing
after a bad history, you will face many of the same dilemmas... you need
history before you can get credit but can't establish history without having
credit.

FDIC references identity theft and identity fraud as "terms used to refer to
all types of crime in which someone wrong fully obtains and uses another
person's personal data in some way that involves fraud or deception,
typically for economic gain.

Although making resolutions to improve your financial situation is a good thing to do at any time of year, many people find it easier to re-commit themselves to their goals at the beginning of a new year.

You can easily save thousands of dollars a year with very little effort by
following even a few of the cost-saving measures in the "101 Ways to Save
Money" series.

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