1: Letters (see below for dispute letters / merchant dispute letters / etc) Remember, US law only protect us if we write in to document what is wrong

2) Free credit report form 

3)  Get text message alerts to your phone.  Text message your credit card brand and bill due date to 650-566-9600

4) Messaging via Facebook.  From your email, send credit card due date to... register@duck9.com

5) track the 50 or so "to do's" in the next 24 months on your way to a fico of 750 with your own wiki page  template

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