It is important that every now and then you check your credit. You can get your Free Creddit Report online in a few various places. You just want to make sure that you DO get you credit report at least once or twice a year so that you can make sure that there is nothing on your credit report that you are not expecting. By watching your credit, you will be able to keep a better eye on what is really going on. If you never check your credit, who knows what is really going on or who may have stolen your identity and ruined it.