12 Financial New Year’s Resolutions for 2012

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3. Improve your credit

Your credit rating is enormously important, and impacts everything from the rates you’ll pay on loans and insurance to whether or not you can rent an apartment or get hired for certain jobs. If you've been neglecting your credit (or worse, abusing it), it’s time to turn your credit and financial health around. Start by checking your credit reports at no cost at AnnualCreditReport.com. By law, you're entitled to one free copy of your credit report every 12 months from each credit bureau: Equifax, Experian and TransUnion.

3. Improve your credit

Your credit rating is enormously important, and impacts everything from the rates…