Monitor your credit: You don't have to sign up for a credit monitoring service to keep an eye on your credit throughout the year. Instead, you can order your free credit reports through AnnualCreditReport.com. Monitoring your credit report helps you detect identity thefts, ensure creditors are reporting your information correctly, and enables you to take action on credit/debt problems before they get worse.
Clean up your credit report: Don't take for granted that the information contained in your credit report will be accurate. Mistakes happen all the time and it's up to you to correct those mistakes. A clean credit report is important especially if you plan to apply for a mortgage, car loan, or credit card. A credit report dispute is a good place to get started removing negative information from your credit report.
Get out of debt: In 2011, Time.com listed "Get out of debt and save money" as one of the most commonly broken New Year's Resolutions. Perhaps it's because people don't have a good plan for getting out of debt, or maybe they lose motivation in the middle of the year. Make this year the year that you get serious about getting out of debt for good.
