Regularly review your credit report to ensure accuracy as lenders use it to assess your creditworthiness. Obtain free reports annually from Equifax, TransUnion, and Experian. Reviewing these reports may help identify and rectify errors, boosting your credit score. Additionally, monitor your debts by listing balances, interest rates, and payments to strategize debt management, such as increasing payments, consolidating loans, or refinancing. For employees receiving paychecks, periodically review tax withholdings during the year.