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KristiLyn Wilkinson, M.S. USU Extension Empowering Financial Wellness Program Manager   You are probably aware that a history of how you manage your credit and debt obligations is being kept. You might not be aware that there are three agencies, Equifax, Experian, and Transunion, that are keeping track of all of this information.
Did you know that you can look at your credit report for free and it won’t negatively impact your credit? This is probably the most common credit myth out there- that looking at your credit report or score negatively impacts your score! It doesn’t! In fact, checking your credit regularly should definitely be on your list of “things I do when I’m adulting.”
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GUEST BLOGGER: LIZ VANCE   Identity fraud refers to crime in which a criminal obtains and uses a victim's personal data through fraud or deception and usually for economic gain. If you were a victim of identity fraud would you know what to do? I hope you never have to find out, but just in case it happens to one of us one day I’m going to share with you a few of the 10 steps that U.S. News & World Report talked about in a recent article. If you’d like to read about all of the 10 steps you can find the whole article here. Here's what stuck out to me...
If you were looking for another nudge to pull your credit report and help protect yourself against fraud and identity theft, we’ve got just the thing. There’s been LOTS of talk in recent news about data breaches, cyber security, social security numbers stolen, identity theft, fraud, scams, credit monitoring services, credit reports, credit scores, etc. Here’s a Readers Digest version:
 According to debt.org, in 2018 Americans had a combined total of $13.51 trillion of debt. This number is $837 billion above the previous high! So, if you are one of the many contributing to that $13.51 trillion of debt, here's a resource you've got to know more about: PowerPay.
PowerPay shows you the most efficient and money-saving way possible to get out of debt. First of all, to use PowerPay you’ll need to create an account. Head to powerpay.org and click “New? Sign Up Now” to get started. It shouldn’t take you more than a few minutes to get your account set up. You can also use the free app on your Apple smart phone. Once it’s up and running here’s what you’ll need to gather:  There's so much to consider about this topic that I filmed a "part 2"! If you missed part 1 check it out here. One of my favorite financial tips is shared in this video as tip #2. Click now to watch 3 Money Tips for Newlyweds: Part 2.
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