Let’s start the new year with some good deeds. For self. And, while I am at it, let me also explain why. Be mindful, my intent is solely driven by the goal of keeping my credit score (being new to the US and all) in check so I won’t be doing something out of angst. Okay, maybe I did intend to get rid of lenders who acted un-cool with me. But wasn’t I looking for an excuse anyway? Awesome!