Do you monitor your credit score? I try to check my credit activities every week and see if there's any significant changes on my credit report. I use the free service of Credit Karma: Free Credit Score and Free Credit Reports With Monitoring. I have not tried the app and probably will not use on my phone. I only use the web version. I try to login at least once a week because it gives me an a good estimate with my TransUnion and Equifax credit scores. They also have a tool that analyzes your credit profile and shows top credit recommendations. Credit Karma uses different scoring models so their credit scores may not be exact but a good estimate for you. This is a good way to stay on top of your credit. The site shows you ways to improve your credit and gives you helpful ideas on exactly what to do with your credit score and how to do it. You'll also be able to read incredible tips of other credit card users and their invaluable reviews about different credit cards.
It is important to monitor credit because it helps prevent fraud orders and identity theft. Future employers, insurance companies, lenders, utility providers and cellular service providers all have the ability to legally review your credit reports as part of their decision making processes.