I've seen multiple recommendations to the effect that you should keep a watch on your credit reports. Even though they don't show everything -- for example, they don't show activity on debit cards -- they're a decent way to keep track of what affects your credit rating.
This site, from the Federal Trade Commission, talks about how to get the annual free report. The technique I've seen suggested is to request the free report from each of the big three credit agencies once every four months, thus getting one free one from each agency each year.
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