The three main credit bureaus — Experian, Equifax, and TransUnion — offer one free credit report per year. Take advantage of the opportunity, and check your report. The reports show every account associated with your Social Security number, name, and birthday. They’re a great way to spot unfamiliar, and usually, fraudulent accounts. If you do notice an account you didn’t open, get on the phone to shut it down as soon as possible.

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