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Introduction: Why "credit cards" as a free category? First of all, they are free to obtain. But I strongly caution everyone to pay off your balance each month if possible. If you are disciplined enough to do this, you can get 10% of your gas for free and get up to 2% of everything you buy for free with cashback bonuses. Credit card companies will also give you airline miles, discounts, gift cards and all kinds of goodies for businesses. Just remember - discipline.
Free Credit Report [new window][broken link] AnnualCreditReport.com is the official site that allows you to request a free credit file disclosure or credit report, once every 12 months from each of the three nationwide consumer credit reporting companies. You may request one free credit report from Equifax, Experian and TransUnion over the internet, over the phone, or through the mail. (US only)
Identity Theft Action Plan [new window][broken link] Pennsylvania provides a free printable indentity theft action plan in PDF format. Download the plan, fill it out and keep it in a safe place. The plan provides priceless information about what to do if your identity is stolen. (Any Country)
Opt-out of Credit Card Offers for Free [new window][broken link] (NEW) I recently heard a national radio commercial advertising a paid service that included stopping mailed credit card offers. WHAT? Here is a link to the Federal Trade Commission's website that explains how to opt-out of these offers for free. Also find instructions on how to opt-out of several other annoyances like calls from telemarketers. I opted out of both and I no longer receive either. (US only)
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