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Paying your bills on time can save you a lot of money. Use your tax savings to avoid extra charges and protect your credit rating.

When you make payments on time, that information shows up on your credit report. If you miss a payment, you'll be charged late fees and late payments will show up on your credit report too. Your credit report follows you where ever you go and can affect your ability to get an apartment, buy a car or a home, get student loans, and even affect your ability to get a job.

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