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Before applying for a loan from any financial institution or lender, it is good to check your credit report so as to know if you are credit worthy; the report will let you know if you have a good or bad credit history and this goes a long way to determine the approval of your loan and also the interest rate. Federal Bankruptcy Law you cannot be fired or discriminated against because of having declared bankruptcy. Identity theft has become the order of the day; scammers are roaming about the internet looking for the slightest opportunity to strike. It is very possible that a person can spend thousands of dollars before they get caught, so stopping them early can save you a lot of work and a lot of money. Lastly, it is important to keep all your personal information current.