How often do you check your credit report & score?

Are those credit monitoring sites worth the money that you put into them? We check ours once a year. But we are having issues right now and are probibly going to enroll in the monitoring thing.

I never check mine,mostly because i have tried to keep mine clean,but have had the dealeship check it when i went for my van lease and it was excellent.I always pay a credit card which is low now before the due date,actually anything before the due date and get alot of calls for having credit cards with a very high limit,actually more than my boyfriend and he works!I dont,haha.I always pass them up,its a catch to get stuck paying and get behind and then get a bad credit score.Do you know when someone checks for you(dealership,credit card company etc.)your score goes down by a point,yes a point!They told me that,thats why i never check and try to avoid others checking also,thats why i do not apply for things that way it will stay the same and not be affected.:) Peanutjar:)

I've usually check it once a year. I get my annual free credit report and that's how I check it out. It's a way for me to keep a somewhat close eye on my credit but not checking all the time. I am working real hard to improve it and have made some big steps, but I check it every now and then still. Maybe as I am getting better then I will check it a little more often to keep it higher.

I have never actually checked my score myself. I have seen where you can do it for free but every time I go to those sites, they ask for credit card information so I stop right there. I find out my score when I apply for a loan or something like that. We have credit issues also but I sure can't find a free site to check it without a credit card. I don't want to give them that information and then have them bill me unexpectedly when it was supposed to be free to begin with.

If there was a way to check it without using a credit card since I don't have 1 then I would check it often but the only way that I check it now is if I go to purchase something then I pretty know what it is.