Keeping a check on your credit is very important. Sometimes there are errors and things that may appear on your report and if they do you can dispute them and get them fixed so it does not show up on your report anymore. There are three major places that keep track of your credit score and you will be able to get a free report from them once a year. You can get your annual credit report from each of these once a year or you can spread it out.
I found it helpful to spread out the times that I request my annual credit report so that I can keep a close look at things throughout the year. You can get one every three months and then have to skip and make it 6 months but that way you would never have to pay. You could get your annual credit report for free and make sure everything is right.
If you want to go right to the sites I found it is pretty difficult to find the links to the free reports. They even send you to another site which is pretty confusing. The 3 companies you can get your report from are Experian, Transunion, Equifax. You can grab your annual credit report by going to AnnualCreditReport.com