When was the last time you checked your credit score?
If you're anything like the average American, it's been a while ... or you never have. But according to New York-based certified financial planner Anthony Canale, a quick credit score check "is really a simple thing that people can do for themselves, that doesn't cost any money, that really helps them to determine what their credit looks like."
Credit-rating agencies compile both positive and negative financial information about you to determine your score. "If your score is very low, then when you go for a loan or when you go to rent a car or ... an apartment, the people will be very leery," Canale said.