One of the most important financial aspects of your life is your credit. Sure, if you damage it, you can rebuild it over time, but there are tons of tools you can use to avoid damaging it in the first place. One way to avoid bad credit is to check it regularly. There is no shortage of companies willing to charge you to check and monitor your credit, but there are also plenty offering similar services for free.
Credit Karma and Credit Sesame both offer you free access to your credit report and an estimated score. They also give you near-immediate updates when there is a change to your report, like a new inquiry or a new account, so you can catch fraud before it becomes an issue.
Also, as the Fair Credit Reporting Act requires, Equifax, Experian and TransUnion must provide a free copy of your credit report once every 12 months.