The credit report. Just hearing those two little words is enough send some consumers into a state of elevated anxiety. What’s worse – it’s an involuntary reaction, it just happens! Even the best consumer out there with a perfect credit score will often experience those weird emotions when it comes to checking your credit report. What if I forgot something? What if I’ve been the victim of fraud and something negative shows up? There’s a myriad of reasons the ole stress meter registers hot, but the fact is – these are the exact reasons you should regularly check your credit report.