Your credit plays an important role in your overall financial health. While many people associate credit scores only with borrowing, understanding and monitoring your credit can support better financial decisions and help protect against fraud.
When should you check your credit?
Regular credit check-ins can help you stay informed and proactive. It’s a good idea to review your credit:
- At least once a year
- Before applying for a loan or major purchase
- After a significant life change
- If you suspect fraud or identity theft
Checking your credit allows you to confirm accuracy and identify potential issues early.
Why Monitoring Your Credit Matters
Your credit history reflects how you manage borrowed money over time. Monitoring it can help you:
- Spot errors or unfamiliar activity
- Understand how financial decisions affect your score
- Maintain confidence when planning for future goals
Early awareness can make it easier to address concerns before they become larger challenges.
Habits That Support Healthy Credit
Maintaining healthy credit doesn’t require constant monitoring, but it does benefit from consistent habits, such as:
- Paying bills on time
- Keeping credit card balances manageable
- Avoiding unnecessary new credit accounts
- Reviewing statements and alerts regularly
Your credit score is just one piece of your financial picture, but it’s an important one. Understanding when to check your credit and how to maintain healthy habits can help support financial confidence and preparedness. Regular reviews and informed decisions are key components of staying financially fit.