There are so many things that can happen out there that will have a negative impact on your credit.  The lower your credit score goes the hard it will be for you to get credit and the higher your interest rates will end up being if you do get credit.  For that reason it could be very important to you to request your free credit reports and review them regularly to be sure that they contain no adverse information that they should not have.  Because if they do you will want to start taking immediate steps to get the bad information corrected.