How do you pay your bills ? Do you have a methodology, or have you set them up to be automatic ? You should have a method in mind.
The tax system seems to think I should divorce my wife , at least the way taxes are enforced seems to imply that would be better. It would take a lot of co-operation from my family, but I could end up ahead of the Taxes game.
Knowing what your credit rating is, is important, but only when you want to borrow money or get a loan. Your Credit Rating helps lenders know you.