How often should I check on my credit scores and credit ratings?

Your credit history plays a major role when you apply for any type of credit or loan, such as a credit card, auto loan, mortgage, employment screening, utilities deposits and insurance. It is a good idea to know what is included in your credit history before applying for credit or a loan. Creditors and lenders use your credit history to determine if you are a credit risk.

The most important thing you can do to demonstrate you are a good credit risk is to pay your bills on time. But at a minimum annually.

I'd say quarterly is right, their information won't change any faster.

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