Personally, I try to keep tabs on my credit report. Not because I have any credit problems or am trying to improve my credit score. I simply try to stay on top of my credit file because I want to make sure that anything that is reported there is accurate and was performed by me. I have heard enough stories about people who suddenly discovered they were victims of identity fraud and learned they have mortgages and loans issued on their names that they never applied for. But keeping track of one's credit report can be time consuming and tedious. That's why I like the lifelock solution. They monitor every change in your credit file for you and make sure you are aware of any transaction that takes place so you can make sure no one is using your identity for their own benefit.