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TODAY'S SAVING TIP Yes. The Fair Credit Reporting Act (FCRA) gives you the right to see and correct mistakes in your credit report. It also limits the rights of others to see what's in the report.

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CREDIT REPORT: Credit report services

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It's a good idea to monitor your report for new negative information and unauthorized accounts that might affect your credit. There are 3 major credit bureaus offering credit report services. The three bureaus offer credit report services for a small fee, but under few special cases, they even provide you with a free copy of your credit report.

Keeping a great credit rating is very essential to get the financial help you seek from lenders. These tips will help you in maintaining a positive credit rating:

Close unnecessary credit accounts: If you have a lot of credit accounts, consider closing those you aren't using or don't think you'll need. That helps remove the temptation to overspend. Don't close all your accounts however - you need to have some credit accounts in order to maintain a solid credit history.

Track your spending: Do you have a good idea of where your money goes on a monthly basis? Most people spend a great deal of money on little extras (fast food, beverages, little treats and splurges) without really being aware of it. Try tracking where all your money goes for a month to get an idea of what you must spend versus what you're actually spending. Remember to factor in an allowance for expenses that aren't monthly, like semi-annual or yearly taxes, auto insurance and maintenance expenses, home maintenance, gifts and vacations.

Set new spending goals: Once you know where your money has been going, take charge and establish how you want to spend to meet your goals. Then keep tracking your spending monthly, to make sure your plan is realistic and help reinforce your new spending habits.

Pay on time, every time: Set up a simple system to remind yourself when bills are due. Keep all bills together, in order by the date due, and check them weekly. Or write the dates due for each bill on your calendar, and check your calendar frequently.

Pay monthly bills, or set aside the money, before spending for "extras." If you can't make payments because of a short-term emergency, talk to your creditors before you miss a payment to see if they can help you with reduced or deferred payment schedules.

Consider using your home's equity for debt consolidation: If you've owned your home for a while, you may have equity you can use to pay off high-interest debt with a "cash out" refinance loan or home equity line of credit. Since home loans can have much lower interest rates than credit cards and other types of loans, you can save a lot of money on interest. Because interest on home loans is often tax-deductible, you may save even more (consult your tax adviser).

You can choose debt consolidation programs after a free debt consolidation counseling, for more information visit Debtconsolidationcare.com fordebt consolidation information.