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Let me say this again because it is so important: Only use your business email for business sites and services.

Sites that you wouldn’t mind if your boss or colleagues found out that you had signed up for.

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It’s also a great time to start building a line of credit so you can rent a decent apartment or qualify to purchase a car.

It’s important to ease into a credit card, especially if you aren’t familiar with terms like APR and cash back rewards.

You’ll see a letter grade assigned to each factor that affects your credit. Late payments quickly and negatively affect your credit score.

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Since credit cards are not a one-size-fits-all affair, we reviewed a couple of different ones so you can find what works best for you. But next time the attack will be on a completely different service with different users and for different reasons. I have an account on Forbes.com, and I got notice from Forbes in February of last year that their site had been hacked and email addresses and hashed passwords had been downloaded. Well, turns out an organization called the Syrian Electronic Army took exception to articles about Syria and decided to get some payback. Zappos and Living Social have been victims of hacks in the past few years. Never sign up for anything not business-related with your business email account. Even more true if you work in government, in education, in media, or in any high profile position. No one’s activity online is really safe, no matter what the areas of interest are.Rest assured, you never have to input a credit card number or your full Social Security Number, and all data you provide is safely encrypted. Late payments, collections, bankruptcy, a large number of credit inquiries, a high credit card utilization rate and even credit report mistakes all have a negative effect on your score.Sign up for a free membership on Credit Sesame and review your free credit report card.

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