The only time you really have to think about your score is when you know you'll soon need credit. Otherwise, just take care of your bills responsibly and don't worry about it.
Are you getting ready to make a big purchase, such as a home or car? At least a few months in advance, spring for a copy of your credit scores.
The score you may not be the same one your lender uses, it will give you a good indication of how well you're managing your credit, she says. It will also give you advise on how to improve.