 And this is a case where, let me tell you, what you don't know will hurt you. Ignorance is not bliss here. I need for you to stay up to date, check your credit files once a year to see if they are A-OK. And this is free to do at the website annualcreditreport.com. Make sure you don't go to any other site. Annualcreditreport.com is the real one set up to comply with government rules.