A budget includes:
- If you have benefits or a job, you will need a checking or saving account. To open a checking or savings account you need two forms of ID, and a minimum opening deposit. There are a lot of hidden fees and rules with a checking account. Starting with a simple saving account is another option.
A credit report includes information on where you live, how you pay your bills, and whether you have been sued or arrested, or have filed for bankruptcy. Businesses use your credit report to evaluate your applications for credit, insurance, employment, or renting a home.
Colorado State law allows annual credit reports free of charge.