Tuesday’s need-to-know money news

Today’s top story: Making sense of your credit report. Also in the news: Protecting your credit cards from data theft, four bills you may be able to eliminate in 2014, and the benefits of joining a credit union.The hacker

The 5 Most Confusing Things on Your Credit Report
Unlocking the mysteries of your credit report.

How to Protect Your Credit Card from a Data Breach
Don’t let your credit become a target.

You May Be Able to Eliminate these 4 Bills
Not everything needs to be insured.

The Benefits of Joining a Credit Union
Lower fees and higher interest rates.

How To Profit From Gift Cards, Pay It Forward With Frequent Flier Miles
Don’t let unwanted gift cards collect dust.