It's like a newspaper, explains Kevin O'Toole, education director for Consumer Credit Counseling Services, the financial-services division of Family Services, a local nonprofit agency in Cedar Rapids, Iowa.

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There are services online and in your local area that provide reporting and identity protection services, but I will go into more detail on those types of services in another article.

Purchases are pulled almost immediately from your checking account.

Value added services: Your free prepaid debit card company should give you different value added services like sending your statements online or through the mail to your home or office.