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Shred Your Holiday Gift Buying Worries

Written by: Kristy Welsh

Phoenix, AZ - Are you looking for that perfect Christmas gift for under $25?

"Buy them a shredder," suggests Kristy Welsh, author of Good Credit is Sexy. "It may not seem like a very personal gift at first glance, but it is the perfect gift to protect your loved oneπs privacy from fraud and identity theft."

Welsh recommends shredding all junk mail that contains personal information, such as pre-approved credit card applications. More importantly, shred all personal information before discarding, including: credit and debit card charge slips, account statements, and even personal letters. Fraud is easily perpetrated by "dumpster divers" who can use these discarded items to open credit in your name.

Not your idea of a great gift? Then think about ordering credit reports.

"Many people have never seen their credit history," says Welsh, who advises consumers to review their credit history for accuracy once a year. The health of your credit history determines your ability to qualify for mortgage loans, credit cards, and sometimes, jobs. And recently, insurance companies have started using credit histories to determine the cost of homeownerπs insurance. The value of keeping your credit history in good shape keeps rising.

Still not the perfect gift? A third option is a copy of Good Credit is Sexy. The attractive, trade-size paperback is packed with information on how to make your credit as attractive as possible. It explains simple fraud protection strategies, various credit options, how to read a credit report, how to recover from bankruptcy, and much more.

Personal shredders are available at any office supply store for as little as $15.00.

Credit reports are available from the three major credit bureaus for about $8 a piece. You can order them for yourself and your spouse by providing proper identification information to Experian (888) 397-3742, Equifax (800) 685-1111, and TransUnion (800) 888-4213.