Check your credit score
Even with all the online resources at their disposal, 20-somethings don't check their credit report or credit score nearly enough, experts say.
You can check your credit report and score for free on myBankrate. It's a good idea to make it a habit to check for any erroneous claims.
"Also understand that your credit report is not your credit score," Blayney said.
The credit bureaus review your credit report to come up separately with your overall credit score.