Even if you aren’t considering a home purchase or refinancing you ought to be concerned about your credit. (Your credit score/rating can actually impact what you pay for insurance. One site you might consider spending a little time visiting is Credit Karma. For one thing, they really do offer a FREE (no strings, no trial memberships, etc.) report of your credit score. You’ll also find an opportunity to explore “cost savings” on your credit cards, mortgage, etc. Just remember this is all automated so you’ll want to do some analysis of the recommendations.
All in all, the site is fairly educational and a good tool. Use it wisely!
By the way, “Karma” is defined as “the total effect of a person’s actions and conduct during the successive phases of the person’s existence, regarded as determining the person’s destiny.” Don’t be the victim of your credit history; determine your destiny!