Every year I hear different New Years resolutions from people: eat less chocolate, exercise more, stop throwing things at the television during basketball season. Even though the resolutions are different, the results are all the same. People rarely make it past February before everything returns to the status quo. Unfortunately, their lack of resolve applies to me as well. This year will be different, however, so look out for a new, slimmer Billy Bad Score, with more hair on his head, in 2012! Okay, maybe not. But I still plan on fulfilling my other resolution: causing mischief for people who need good credit scores to have a happy New Year.

See, most people who are determined to take control of their credit scores often make resolutions involving finances. Whether they vow to avoid weekend shopping sprees or stop switching phones every few months, money is the main motivation. And when the pressure to break these habits becomes too much to handle, Im there to remind them about the pitfalls of bad credit scores. By the time I show up, those people are too busy rustling through shopping bags or synching email accounts to notice me. Of course, Im sure theyll change their tune when theyre denied a loan or fail a background check because of bad credit.

Unfortunately, Ive noticed a new trend recently. It seems like more people are finally getting serious about managing their credit and keeping good scores. Apparently, theyve been getting help from FreeScore and the Good Score Guys. Those guys have been offering people access to their three credit scores and reports. Theyve even been helping them monitor credit and providing them with automatic alerts. Even worse, theyre giving out useful information to help them make better financial decisions!

How am I supposed to keep my New Years resolution of causing mischief if people are arming themselves with knowledge about good credit? I cant go 0 for 2 on my resolutions this year. Maybe Ill have to hit the gym and get fitted for a hairpiece after all.

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