With cautious lenders trimming credit seemingly everywhere these days, it's important for consumers to hang on to the credit lines they already have. Not only does a reduced credit line limit your spending ability and financial flexibility, but it can also dent your credit score: a third of your score is based on how much of your available credit you're actually using at any given time.So if you're one of the many credit card customers who've seen their credit limits cut unexpectedly, don't just settle for a lower credit score and a smaller safety net. Here are a few steps to take to get that credit back. 1. Know Thyself. It's clear that consumers are reducing their credit card debt -- revolving debt dropped 5.4% in the fourth quarter of 2008, according to the Federal Reserve. But some lenders, including Citibank ( C), Bank of America ( BAC) and American Express ( AXP), are trimming the size of consumers' credit lines even as balances drop. Companies are trying to reduce their risks in this difficult economic climate. So the first thing you should do is check to make sure your "risk" hasn't changed. 2. Get Your Credit Report. Order your credit reports from AnnualCreditReport.com. Mistakes on your reports or new information that has appeared in error could be the source of your credit card company's sudden change of heart about your risk profile. "You may want to consider ordering your credit score from myFICO.com," say Linda Sherry, director of national priorities at Consumer Action, a non-profit consumer advocacy group. "That way you'll have a good idea of where you stand."