Most of you have probably seen those commercials with the red-haired dude saying, "I'm thinking of a number, can you guess what it is? It's 720!" He's referring to his credit score and advertising an online service that allows you to request three free credit reports each year.
You should take advantage of the three free reports (once every four months) to make sure you're not a victim of identity theft and to keep track of your financial health. Keep your score high by avoiding too much debt and always paying bills on time. Your own credit checks won't have an impact on your score, but credit companies' inquiries can have a negative effect so don't go crazy applying for a bunch of credit cards!