Checking your credit score is something that you should do often, just to see if it is right and that there are no discrepancies on your credit file, people are always concerned about indentity theft relating to their credit score and that's really the main reason why you would want to check your credit score, although there are other reasons you should do so, such as:

To see if your credit is good and could be improved

You could check on your whole credit history to see the consistency of your credit and see what could be improved to obtain further credit later such as a loan or a big credit purchase, by viewing your full credit history you are in more of a position o decide whether to apply for that loan you've had your eye on or later when you attempt to improve that credit score.

Identity theft

You may see in your credit report, that you have one or two transactions that you don't recognize and that could set alarm bells off, because you may have lived at a previous address or moved around alot and your post has fell into the wrong hands because you didn't change the address in time or your forgot, of course there are other underhanded ways that thieves can get a hold of your personal information, through your bins if you don't rip up or shred important documents or if you visit a dodgy site online that exists just to capture peoples bank account numbers or specific details that reveal the identity of the victim of fraud, usually called a phishing site (with no fish involved!!).

I know once I found something on my credit report that I didn't recognize and I looked into it and it was not an identity theft transaction, it was an old company that had re-activated a sky/cable network subscription that I no longer had and that was an underhanded transaction that I reclaimed back because I no longer had that service, which was a bit cheeky on their part, but that's what you can find out about your account together with your bank account statements and your credit report, they make a complete picture of your credit transactions and you can do your own investigations if things don't look right.

There are 2 main sites where you can obtain a copy of your credit file and these are for the UK, you may have to search elsewhere for a site to get your credit store check.

Equifax - This is where you can get your free credit report to find out your whole credit history and is worth doing.

Experian - is another one, but you have to take a 30 day trial which is free, but then you have to pay about £6 after that, but what I do is just cancel before the expiry date and then re-apply in the future if I need to check my credit report, there is no point in paying for your credit report, we pay enough out on bills and taxes in our life to pay for something that is about our credit spending.

Check your credit score only if your really want to find out about your credit, if you save money like me and are only bothered about saving for the things you need to buy then don't check it, but I would urge you to check it at least twice a year, just to see there are no erroneous transactions that are nothing to do with you