I no longer just say information is power. It’s only powerful if it’s the right and most up-to-date information. As we start the new year, I thought I would round up some personal finance information to keep your eye on. I also want to point out personal finance highlights from 2012.

■  Credit reports. This month, the Federal Trade Commission is expected to release a study on the accuracy of credit reports. Errors can cause consumers to be denied credit or other benefits. The credit reporting industry has maintained that only a small percentage of reports contain errors serious enough to cause harm. This report will provide an independent look.