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Identity theft happens when someone uses another’s personal information without permission, and everyone’s a target. Criminals look for social security numbers, birthdates, passwords, Medicare numbers, passport numbers, and bank account numbers.

Your credit report is one of the most important and helpful tools you have to manage your personal finances. Credit reports detail everything that makes up – and influences – your credit score.

Whether you are looking for your first home, refinancing a car, or renting an apartment, understanding your credit score and how to improve your score is beneficial to securing better rates along your financial journey.

If your parents ever warned you to turn off the lights when you left the room as a child, you might’ve rolled your eyes. After all, how much money can it actually save? To see a real difference, you have to commit to making changes across the board. Here are some suggestions on how to save utility costs on water, gas, power, cable and internet.