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NEW YORK -- On a Sunday morning in late May, Taylor left her Harlem apartment and boarded a train for Greenwich, Conn.

She planned on spending the day with a man she had met online, but not in person.

While he summered on Martha's Vineyard, she'd likely pass another July and August working retail in Times Square. ("Taylor" is the pseudonym she uses with men she meets online.

Neither she nor any of the other women interviewed for this article permitted their real names be used.) In her profile on the site, Taylor describes herself as "a full-time college student studying psychology and looking to meet someone to help pay the bills." Photos on the site show her in revealing outfits, a mane of caramel-colored hair framing her face.

The main difference is the amount of information provided in the free yearly credit report that you get every year as part of the fair credit reporting act.

The 3 credit reports you can get every year come from Trans Union, Equifax, and Experian.

Do you site on the timely or late side paying your bills? How many loans have you successfully paid off in full?

Your payment history makes the biggest impact on your FICO score.

We believe that everyone should be able to tackle financial decisions with confidence. But, the results of our tools (like our credit card comparison tool) and editorial reviews are based on quantitative and qualitative assessments of product features — nothing else.Identity fraud is often but not necessarily the consequence of identity theft.Someone can steal or misappropriate personal information without then committing identity theft using the information about every person, such as when a major data breach occurs.At Nerd Wallet, we spend literally 1,000s of hours researching partner offers and following strict editorial integrity to match you with the perfect choice.We even share how we make money so you can enjoy our expert advice and researched recommendations with total clarity and confidence. After four-plus years of all-nighters, too much caffeine and not enough vegetables, you’ve joined the ranks of the “real world” adults.

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