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Credit card statements- After checking the accuracy of your statements, shred them. In case your statement has any identifying information whatsoever it must be correctly disposed of to minimize the risk of identification theft [source: Cash Administration Worldwide]. Nevertheless, if you have made a big buy or have not but obtained a bought item, make sure you have a copy of your statement in case it's essential to dispute the acquisition. Your bank card records can show you paid.

Each time you apply for a new credit account -- from a credit card to a mortgage or a private loan -- you'd must briefly unfreeze your credit score till your utility has been processed. You will have to do this for each credit score bureau, however the process is surprisingly fast and may be finished on-line.

Whether or not you are a truck driver or a cubicle jockey, you most likely have enough to stress over without including unemployment to the list. If ideas of stress keep you awake, you may try writing all of your worries in a journal in the evening to get them out of your system. Then, commit to not thinking about them when you should be counting sheep.