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I use freecreditreport.com and they email you any updates every month....luckily none for me! I'm happy with both our credit scores, and I don't think they've changed recently. It's just funny that his score is better but he recently cashed out his 401k for a not good reason, and I would only do that under dire straits...guess it goes to show you your credit score isn't always a reflection of you financial choices!
Stupid Chase buying out Wamu. I do like a lot of things about Chase (for one thing our car loans are on chase, so now we have only one place to log in for all of that), but they took away my FICO! Goooooosh.
I use Chase ID protection. It's like $12 a month, but I can see EVERYTHING on my credit report all the time, and all three of my credit scores, any time I want. It's well worth the fee.
I only know b/c they looked up my credit score for when i bought a house. And they told it to me. No worries. I know it's good as long as i pay everything off asap. i don't put stuff on my CC in general though, but got one in college for gas, etc, just so i'd have good credit when time came to buy a house, car, etc. Not worried, my FI has great credit too thanks to the military bank he uses.
I try to check mine at least once a year - I just checked it a few weeks ago because we had to apply for pre-approval for our mortgage.
I have student loans from lawschool, and when you have a steady loan like that, it actually helps your credit, so I have very good credit.
Definitely a good idea to check it at least once a year. And at once a year, it's free, so no excuses!
FI and I are both very aware of what our credit scores are. Part of our pre-marital prep was to meet with a financial planner. He pulled our scores from the three major credit bureaus and broke it all down for us. (I was surprised to find that the range of scores between the three companies is rather wide.) Anyway, our planner said that the one most important thing that anyone can do to improve his/her score is to PAY ON TIME.
I've really strived to reduce my debt as much as possible before the wedding. I stopped using my two credit cards a little over a year ago and have been steadily paying off the balances ever since... using my debit card for all wedding purchases. I've managed to pay off one of the cards and made my last car payment in March. Such a GOOD feeling! These are all things that will over time help to boost my score (and my savings).
Anyway, because our middle scores indicate Very Good to Excellent credit riskand our debt is modest, and considering the stimulus tax credit for first-time buyers, we've decided to try and purchase a house before the end of the year while the market is still down. It all seems to be happening so fast! I mean, we haven't even had the wedding yet. (Good thing FI has taken on the task of doing the homework for this one!)
Here's a site that explains how your FICO score is calculated and gives tips for how to improve it.
my FH is in financial advising, so I've checked my score before - but not reguarly. Lucikly, I am happy with it. I only have one credit card that I managed to pay on time every month for the last 6 or so years...and lots of student loans that have barely kicked in yet. I'm super lucky that my FH is extremely responsible when it comes to finances, so he keeps me in check with paying bills on time and saving. I've had a high balance on my credit card that I want to pay back after the wedding, and want to start saving for a house, family, etc.
Yup. I use the same site to check my scores annually. And I'm extremely happy with it. Not bad for a 26 year old! 
I keep good track of all our finances so I don't see the need to have a "credit watch" plan. I know when somethings askew. ;)
I learned it when I was going through the purchase process for my new car in late 2008. It wasn't bad at all -- but since I don't have an extremely long credit history, Daddy Bruschetta signed on with me so I could secure a lower interest rate.
I plan on checking my score once every quarter (one for each reporting agency) now that Chase doesn't offer the service anymore. FI checked his a few months ago and found a line of credit with a mobile-home builder which he didn't apply for. We don't know where it came from but if we hadn't checked, we things could have gotten pretty ugly if something was going on with the mobil-home account.
I'm always very aware of mine and actually just got a copy of it again the other day. I have to say, i was patting myself on the back because it's quite excellent!
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this thread: http://boards.weddingbee.com/topic/current-economy-credit-cards?replies=12#post-189510
got me thinking about how OCD I have been about watching my credit score and that I am aware of my debt and financial standing at all times. I wanted to be prepared for my first big loans (car, house, etc) that may come after marriage, and I've always been pretty concerned about financial stability.
Before WaMu was bought out by Chase, I could see a free credit report through WaMu's online banking system and I checked it regularly. Now that I can't see it, I was happy to find http://www.annualcreditreport.com so I can still check my credit score at least annually without paying for the service.
SO, hive, what do you think?
Do you check your credit score regularly? Do you know what yours is? Are you happy with it--or will you worry about it when the wedding's over?