. >> reporter: chuck harwood acting director of the bureau of consumer protection with the ferred trade commission warns that reporting and credit agencies terr tightly. >> more than we appreciate. >> reporter: he advises when the bills start arriving, pay off the balance each month, if you can, or at least pay something. if you get behind on a bill, call the credit card company and let it know you're in the process of fixing the problem. finally, don't open more credit than you need. >> keep track of the credit you have opened. if for some reason you don't get a bill, contact the credit card company immediately. >> reporter: consumers have the right to check their credit records for free. annualcreditreport.com allows you to obtain a copy from each of the three major reporting bureaus every year. >> take the initiative to check on errors, follow up and make sure they're corrected. >> reporter: it forced her to become more vigilant. >> it can happen to you. that's all i can say. >> reporter: liz crenshaw, news4. >>> she was able to get her credit line back, but she is still working to i

john harwood, as we understand it, john, the white house still feels confident that chuck hagel will be confirmed but they also believe this tactic may work against the republicans later on. >> well, it's an interesting test, tamron, because, you know, the white house has adopted a posture of trying to call the republican's bluff on issue after kwusissue. the white house is counting on it working in the case of chuck hagel. the white house has been calling out republicans on this filibuster and you just hadden john mcsay a few minutes ago that we're going to get to a 51-vote sequester. the white house has had success so far -- but the signs are positive that hagel ultimately will be concerned, the question is how long and is there any possibility that hagel in the meechbt decides to step out and take himself out of the consideration, at least that's not what the white house wants. >> big picture here, though, john, our first read team says this is a reminder for all future legislative fights and nomination battles. we'll see over the next four years, let's stop pretending this will c

chuck gabriel. they're also going to talk state of the union. john harwood sat down with dave axlerod yesterday. he will join us. later we're going to be joined by valley jarrett, denny hoyer and jeb hensarling. and our corporate newsmaker of the morning, mutar kent, the coca-cola chairman and ceo set to talk earnings and outlook, that's all coming at 8:00 a.m. eastern. but first, michelle has this morning's headlines. michelle. >> yeah. the national transportation safety board investigating whether tiny fibers inside the lithium ion batteries could have played a role in battery failures on boeing dreamliners. the tiny formations are known as dendrites. battery experts say they can cause short circuits. >>> banquet's hosty brands has received the go ahead to continue with bankruptcy for some of its brands. moody's says down side risks have proceeded in the last few months. the ratings agency expects real growth of the g-20 of around 2.9% this year followed by 3.3% in 2014. joe. >> michelle, let's get back to today's main political event, the state of the union. cnbc's washington corespondent joh