Everyone needs to keep track of their credit reports. I think freecreditreport.com has done a great job of getting this point across (my step-kids can sign the commercial's song). I offer another site to get a free credit report: AnnualCreditReport:
"This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion."Not that I am advocating for this site, just the need to get a copy and checking it for errors.