Just looking at the Today show and Im sure we all know this already, but you never know who doesn't just passing it on :)
You should get a copy of your credit report annually to see what's going on, we don't want identity theft and we just want to monitor or credit.. So you can get a free copy from Annualcreditreport.com. Experian, Equifax & Trans Union.
For a free copy of your credit score go to Creditkarma.com (I heard of this on the show, haven't tried myself).
Fico scores 720 is good anything over 760 is great.
Don't want to pay bills late, so may the minimum payments as not to be late, you can also do this by setting up automatic bill pay, this way you are never late..
Here is some reading material: Click Here