If you’re getting a tax refund this year, you’ve got three major options when it comes to using the money: You can save it. You can invest it. Or you can splurge. But break things down a little further, and that check (back) from Uncle Sam can help you build credit, too. For serious. Here are six ways your tax refund could help you build — or even establish — your credit scores. 1. Pay Down Credit Card Balances Second rule of credit scores: Keep your debt level below at least

LOS ANGELES -- It's the number-crunching season, and for many, that means a giant headache but for Jacqueline Munroe, it means fighting to regain a piece of her life back because she's a victim of identity theft. Most recently when filing her tax return, Munroe was told someone had already done it under her name. So, she's now having to prove to the IRS that she is who she says she is. "It's been hard. I haven't gotten my tax returns, and it's so crazy that I have to prove to