Depending on how you’ve treated your credit in the past, it may be scary to check your score. Regardless whether it’s good, bad or downright ugly, knowing is always better than not knowing. Knowing what your credit score is will help you to do the following:

Find any possible mistakes or errors. Believe it or not, companies make errors and identity theft can happen. You won’t know if there’s a mistake if you never check your report.

See your amount of usage. Knowing how much credit you’re using will let you know whether you should cut back on the amount of credit you’re using.  

Identify where you’re doing well. If nothing else, it just feels good to know where you are doing well.

Regardless of how low your credit score may be, you can always turn it around. Start by paying your bills on time. Month after month of positive payment history will improve your credit score immensely.