CardTrak.com - Most Trusted Source of Credit Cards Since 1986

By Robert Cardworthy, CardTrak.com

The boring month of January is a great time to give your credit cards and other loans a real tune-up. Get your act together early and reap the benefits all year long. The editors of CardTrak.com have come up with a no-B.S. list of ten things all credit using consumers should do ASAP in 2008.

1. Change User Name and/or Passwords on All Credit Accounts
2. Sign-Up for Online Statements (Prevents Fraud/Saves Trees)
3. Order a Free Annual Copy of Your Consumer Credit File
4. Buy a Subscription to a Credit Monitoring Service
5. Apply for a Lower (& Variable) Interest Rate Credit Card
6. Seek Out Card Offers with Short-Term Low-Ball Interest Rates
7. Set-Up a System to Remind You of Payment Due Dates
8. Cash-Out Credit Card Rewards Before They Lose Value
9. Change Payment Due Dates to Match Your Cash Flow
10. Resolve to Increase Credit Card Payments

Also if you do not want to receive solicitations for credit card via the phone then:

11. Register Your Number in the National Do Not Call Registry

Here are some links to help you out:

Free Credit Report: www.annualcreditreport.com
Equifax Credit Bureau: www.equifax.com
Experian Credit Bureau: www.experian.com
TransUnion Credit Bureau: www.transunion.com
Best Credit Card: www.bestcreditcard.com
National Do Not Call Registry: www.ftc.gov/donotcall
ABA Consumer Credit Education: www.getsmartaboutcredit.com

Have Other Suggestions/Comments --- Email: cardworthy@cardtrak.com