If you are not actively monitoring and preventing your data identity theft, then it is recommend you pull your credit report every 3 months. You can find FREE credit reports from your credit card company and online, there are plenty of credit tools.
The information in a credit report includes: how often you make your payments on time, how much credit you have, how much credit you have available, how much credit you are using, and whether a debt or bill collector is collecting on money you owe. Credit reports also can contain rental repayment information if you are a property renter.
A credit report is easiest way to find out if someone else is using your credit – a sure sign of identity theft! It may take weeks or months for a credit collector to contact you regarding credit that was given to use, but spend by the thief.
FYI – everyone should know their credit score – it drives so many financial decisions; interest rates for credit cards, car loans and home mortgages. . Your credit rate scores drive your ability to get a loan, and there are some employment agencies that look at your credit score as a data point for your character assessment.