Personally, I would check your scores the next time you check your reports. If your scores are good enough to qualify you for a house or car, then just keep doing what you are doing. If they are not good enough then you've got 5 years to fix them up.ticky wrote: ↑Jan 20th, 2018 4:26 pmWhen should I actually give a shit about my credit score and finding out what it is at?
I'm not planning on buying a house and/or car for five years or so, so I presume there is zero reason for me to know it right now. I do check my credit reports twice a year to make sure there is nothing out of the ordinary in there, but I've never bothered to find out my actual score as it seems meaningless at this stage of my life.
I checked mine a couple of years ago and was somewhat comfortable with where they were. Understanding what I read in this thread and forum, I made a financial plan to help improve both my finances and my scores. I'll probably check the scores again 3-6 months after I've met my targets just to see how much of a difference my actions made. The only other time I might check is if I was considering getting credit for something major, that way I will have an idea of what my score is before applying. I don't like surprises.