Making sure that you are aware of your credit is important.  You do not want to leave any debt or surprises for your loved ones to deal with after you are gone. You can get a free credit report from each of three credit reporting agencies for free, once per year. Take advantage of this! Every 4 months, you should get another report. This can be done simply, and quickly online. The errors and other issues you may find will be surprising. You can object to errors on line at https://www.annualcreditreport.com/cra/index.jsp.