1) How do I get Providian, Capital One et al to lower my interest rate? get upgrades to their other cards? 2) I notice several post referring to monitering their CRs daily. How does one do this? And doesn't this get expensive? Most sites I've seen charge. Recommendations? 3) I'm planning to buy house soon and I'd like to evaluate my credit situation without having alot of inquiries but on my CRs. Suggestions? 4) Also I noticed several accounts are supposed to fall off my CRs next year because of the 7 yr rule. Should I let them fall on their own or pursue validation on them?