不是有点用，而是很有用。一般没什么MINIMUM BALANCE 都不付的记录，CREDIT SCORE
差不到哪去。

The most important thing is to check if anyone has stolen your identity. Someone could open a credit account with your identity. He pays the minimum balance every month, he keeps on asking the bank to raise the credit line. Before you know it, he will have thousands and thousands dollars of balance on his account. Then he disappears. And the bank will eventually find the "real you"

I attended a seminar "identify theft" a few days ago. There are lots of things that a person could do after he stole your identity. And it is very easy to steal somebody's identify.

I never bothered to check my credit report before. But from now on, I will check it every year.

还有更重要的问题是credit history