any people take the start of a new year as an opportunity to reexamine financial priorities, set a new budget, and establish savings or debt reduction goals. As a CreditCheck® Monitoring Service member you already know that managing your credit requires similar planning and care--so why not make some credit resolutions while you're at it? This is a great time to request a copy of your credit report and look it over not simply for inaccuracies, but for ways you might improve your overall credit status. Think about your personal and financial goals for the next year. Are you planning a major purchase, a change in your family, or a trip abroad? Are you working to establish financial stability and security? These and many other specific goals involve your credit as much as they do the cash you have in the bank. As you examine your credit report, ask yourself what you might do to best prepare your credit for the year (and years) to come.
				If you anticipate making a large purchase with one of your credit cards, you might want to request a credit-line increase now, so you know the credit is available when you're ready to buy.
				If most of your credit is from individual retailers, perhaps it is time to apply for a major credit card that you could use just about anywhere.
				If all of your accounts are joint or cosigned, maybe this is the year to strike out on your own, and apply for a card in your name only.
				Conversely, if you have too much available credit, this might be a good time to reduce it, either by closing unused accounts or by asking your creditors to reduce your credit limits.
				If your report reveals scattered late payments--one here, one there--you could make this the year in which every bill gets paid on time.
				If you've accumulated a lot of inquiries, you might decide to avoid situations in which unnecessary credit checks are run on you: only apply for credit after you're sure you want it and generally be selective about granting your permission for a credit check.
		he beginning of a new year is also a good time to verify your comprehensive credit status by checking your reports at all three major credit reporting agencies. Your CreditCheck Monitoring Service keeps you appraised of what is in your credit file at one of the most frequently used credit reporting agencies in the country. But it is possible that a credit grantor might request your report from another agency, which might have different information. To make it even easier for you to compare the information from all three credit reporting agencies, ConsumerInfo.Com's triple merged 3-Agency Credit Report compiles your information from Equifax, Experian, and Trans Union, all into one easy-to-read document, with each agency's records for a particular account grouped together. All it takes is one phone call to order ConsumerInfo.Com's triple merged 3-Agency Credit Report today. The toll-free number to call is 1 (888) 888-8553. Just tell our Customer Service Representative that you're ordering a triple merged 3-Agency Credit Report, and in 5-7 business days you'll receive by U.S. mail all the information in your credit files at all three major U.S. credit reporting agencies. With that comprehensive report in hand, you'll be able to plan your credit strategy for the year ahead knowing that you're basing your decisions and goals on the most complete information about your credit there is.
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