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I have always been a pretty responsible person.  I pay my bills on time for the most part, but have had a few little mishaps here and there.  For this reason I am thinking about checking into my free annual credit report that is allowed.  My mother told me about this and I am so glad she did.  I am now ready to make sure that my financial future is secure and set.  Apart from just paying my bills on time I want to make sure that I am doing things that not only keep my score from being bad, but help them in a positive way.