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The truth about free credit scores

Though the credit bureaus must give you free annual reports, their important numbers will cost you. Now 3 sites offer free peeks at those scores, but how helpful are they?

Get into a house for just 3.5% down

Dangerous subprime lending might be history, but you can still buy a home with little money down — if you qualify for an FHA-backed mortgage. Is one right for you?

Trashing old credit cards? Be careful

You’re asking for big trouble by simply cutting up and tossing your old credit cards. Instead, try these 6 methods for fooproof data destruction.

Refinancing: When is it worth it?

The siren song of a sub-5% mortgage is tough to ignore. But how does the math pencil out? Plus: The ‘behavioral budget’ and the woes of the world’s overworked women.

Fighting identity theft? Let’s party!

If you keep private documents around your home or office, or toss them in the trash, you’re just asking to become a fraud victim. No wonder shredding parties are rising in popularity.

Are you giving beyond your means?

Don’t wreck your own finances trying to save somebody else’s. Whether it’s giving to church or children, be sure you can afford your generosity.