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While the faces of users may be difficult to discern, it's easy to contact a member (sight unseen! Under each thumbnail is a link to instant message the user. – instant message box that encourages contact rather than idle stalking.

Best part: if you're slow thinking up pick up lines for complete strangers–and no shame there; it happens to the best of us!

Many cases of familiar fraud go undetected for years.

For example, when parents use the financial identities of their children, the fraud often goes undiscovered until the children attempt to build their own credit.

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In order to claim the child tax credit, you must have income. The CTC reduces tax you owe but does not result in an additional payment to you.

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