You’ve ordered a copy of your credit report and you’ve found several late payments listed under your credit history. These late payments will certainly pull down your credit score. As a result, you may find it difficult to get approved when applying for loans or credit cards.

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identity theft

People are aware that credit card fraud and identity theft exist. Surprisingly, thousands of people from all walks of life still get victimized by crimes related to ID theft each year. The Federal Trade Commission has issued a public warning against individuals, groups and agencies who may disguise themselves as legitimate financial resource when in fact, they are syndicated identity thieves.

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