
Years ago, I was applying for a student loan at the financial institution that I worked at when I was told by the bank president told me that my credit report was flagged. I’d come to find out that some hospital bills that I thought were covered by my insurance were not paid for.
Since then, I have put into practice of checking my credit report every three-to-five months to make sure that everything is on the up-and-up. You’re entitled to a free check once per year, but that’s probably not enough. In addition to finding out whether you have missed payments on any bills, the constant check of your credit is also a good habit of identity theft protection, as charges that you may not have made would show up as well. If you’re running a business, you should be checking even more frequently—probably about every time you order checks.