You can get a free credit report once a year from each of three consumer credit reporting companies: Equifax, TransUnion, and Experian. Know what creditors can see and what may be impacting your ability to borrow in the future. Check for errors and signs of identity theft. Also be aware of strategies to Avoid Identity Theft (PDF) and how to report fraud to the credit bureau, the Federal Trade Commission (FTC), and the police
Payday loan and check cashing businesses offer you cash upfront for a check that is postdated to the date of your next payday. You can either wait for the withdrawal, or you can bring cash in exchange for the check. For about a 15% fee, you can quickly and easily get cash when you need it. However, this quick solution can cause more problems if you're not careful.