You may not need a loan today. That’s wonderful! At some point chances are good you’re going to wish you had access to some cash, fairly promptly, and on reasonable terms. You’ll need this guide to understanding credit.
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It’s impossible to 100% prevent identity theft, but it’s relatively easy and affordable to greatly improve your odds. It’s like wearing your seatbelt or locking your garage – with very limited inconvenience, you can drastically reduce your chances of facing far more severe headaches. In my mind, that’s a no-brainer in terms of credit monitoring basics.
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