Credit Reports
Whether you know your credit scores or not, you should obtain a credit report several times a year.
The last time I checked mine was several months ago and I found a problem.
A bankruptcy was logged onto my report, and the date linked back to when I would have been 13 years old. Obviously there was a mistake.
I called the credit unions and the bank that had reported the bankruptcy and they acknowledged the problem. It was actually resolved and removed within a few weeks.
Their response as to why it was listed in the first place..."link to another social security number!" Scary.
There are several websites that can monitor credit report activity for you and they charge a minimal fee, in comparison to how much damage a false claim can cause.
Local and state governments also offer credit management.
Whether you think you need credit to invest in real estate or not, check your report on a fairly regular basis. 
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