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Michelle Crouch is a freelance writer and editor covering personal finance, health, parenting and more.

In addition to writing for Credit, she is a contributing editor at Reader's Digest, where she persuades subjects ranging from airline pilots to burglars to share what they're really thinking for her monthly "13 secrets" column.

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(See Rebell)Early card fraud rains new payouts for victims -- Millions recovered from offshore accounts held by an owner of online porn sites ...