When was the last time you requested a free credit report from one of the three credit reporting agencies ? Most people don’t bother to check their credit score until they get the need to borrow some money or acquire a new credit card. Credit scores are not so obvious or automatic like your credit card balances. They change over time and you should know your standing year-round. Don’t be afraid of what you will found out. The sooner you learn you are on bad credit, the better. From there you can start a credit repair consultation to save your situation. Note that checking the FICO score doesn’t affect your credit like some people think. As long as you go through the right service, nothing bad will happen. Find out the main reasons you must view the score on a regular basis. To build credit If you want to keep your rating in good shape, you should start by knowing your position and then learn how to ace it. Building credit is not a one-time thing. It takes time and sacrifices.