Here are nine times you should consider checking your credit reports and/or scores.
1. You're Looking for Loan
Credit scores are used primarily by lenders looking to gauge your ability to repay a loan as agreed.
A good credit score, of course, generally entitles you to lower fees and/or interest rates. So, if you're getting ready to buy a house, lease a car, get a new credit card or apply for a personal loan, it's a good time to pull your credit and see if there's any cleaning up you should do. (You can go here to learn how to fix your credit.)
2. You're Getting Ready to Move
Credit checks aren't only reserved for people applying for a mortgage. Renters should check their credit, too, since landlords pull a version of your credit score as part of their lease application — and you don't want to miss out on the best digs.
3. You're Looking for a Job
Some employers pull your credit report, too, when they are vetting applicants. (Federal law, however, does prohibit them from looking at your actual credit score.) Pre-employment credit checks are particularly common among jobs that require you to handle money. But no matter what work you're looking for, it may be good to check your credit for errors or other problems just in case. (You can go here to learn how to dispute an error on your credit report.)
4. You're in the Market for Better Insurance Rates...
Insurers also check your credit when you apply for a policy, and a bad score could affect whether they'll do business with you and how much you'll pay.
5. ...Or a Better Cable Package
Cable and cellphone companies similarly conduct credit checks — and you could wind up paying extra fees for service if your credit is subpar.
If you're getting ready to comparison-shop for a new contract or policy, you should pull your credit ahead of filling out any applications. You can improve your scores by disputing inaccuracies, identifying your areas of opportunity and creating a plan to address those problems.
While there are those who spend their 20s drifting without direction, there are others who are so afraid of failure that they take a job solely because it provides a comfortable paycheck.
But, says Quora user Rich Tatum, that job you're not interested in quickly becomes a career, and by the time you're 30, it's a lot harder to start pursuing your passion.
The key, says author Cal Newport, is to pursue something that you're passionate about and is valuable to employers.
A Bankrate survey of 1,003 people found that 69% of those ages 18-29 had no retirement savings at all. Twenty-somethings who don't have enough foresight to recognize that one day they're going to retire and need money to live on are missing out on years of money gained through interest.
Entrepreneur Aditya Rathnam writes on Quora there's no need to start investing too much, since you're just starting your career, but it's essential to take advantage of your company's 401(k) matching program, if one is available, and/or open an IRA account.
Seventy percent of college students graduated with an average of $30,000 in student-loan debt last year, but that doesn't mean that debt is somehow a badge of adulthood.
As each year goes by, it becomes harder to start a sustained exercise regimen, and harder still to recover from a late night of drinking.
While you're still young, says Quora user Mo Seetubtim, develop healthy habits that will set you up for the next phase of life. Enjoy your vices in moderation, eat well, and choose a workout over a happy hour now and then.
If you're an ambitious 20-something who thinks that adulthood means having things figured out, then getting fired from a job, ending a serious relationship, or having your company fail can be devastating. But the truly successful are able to learn from what went wrong and move forward all the wiser.
"Getting fired and waking up the next day as usual made me realize that failure isn't the end of the world. Getting dumped taught me the difference between a good and a bad relationship, something I already knew inside but refused to accept until the bad relationship was over," says Carolyn Cho on Quora.
Your 20s are a time to start building a network that will establish a foundation for your career. If you know that, it's a good idea to be on friendly terms with your boss, clients, and all of your coworkers.
Eventually, however, you're going to meet people you don't like and those who don't like you. That's normal, and not a sign that you should change yourself, as long as everything else is going well.
"Inevitably, someone will always dislike you. I wish I had figured this out a lot earlier and stopped trying so hard and worrying so much about it," says Cho.
While it's good to set career goals that keep you focused and motivated, you should avoid getting caught up in intricate five-year plans, Joe Choi says on Quora.
Author and investor James Altucher says that one of the main problems he's found among people in their 20s is that they get caught up in absolutes. He recommends keeping yourself flexible and open to new experiences. There's a good chance that the ideal life you envisioned for yourself at age 20 doesn't resemble the one that ultimately makes you happy at age 30.
"With no family to feed and no dependents counting on you, your 20s are without a doubt the years to take a leap and pursue your passion," says Jessie Goldenberg, who abandoned a promising media career shortly after college to start her own business, the successful mobile fashion boutique Nomad.
Of course, taking risks to the point of being reckless is as bad or worse a habit than suppressing ambition. Investor and "The 4-Hour Workweek" author Tim Ferriss recommends taking the time to think through how to recover should your attempt fail and then seeing if it's worth the risk.
Degrees from elite universities may make you smarter and help your reputation, but they won't count for much if you don't keep learning as you go.
Read as much as you can about your industry, and learn to develop skills that you probably never would study in a classroom, like "the abilities to assimilate, communicate, and persuade," Tatum says.
When you're just starting out, you probably don't have much disposable income. But just because you can't take a weeklong ski trip in Switzerland doesn't mean you should confine yourself to the space between work and home.
Your 20s, Shikhar Argawal says on Quora, are a time when "you are mature enough to go out on your own and immature enough to learn from others." Break out of your bubble as much as you can afford to, and don't ignore career opportunities far from home if they arise.
"Your college pals that you think will be your best pals for life? Some will still be there at 40, most will be living their lives doing their thing," writes Sutherland Cutter on Quora. As everyone is figuring out their lives, you'll realize that relationships take work to maintain.
It's worth staying in touch with former coworkers and buddies, though. The 1973 study "The Strength of Weak Ties" by Mark Granovetter of Johns Hopkins University found that the weak ties you share with acquaintances are most often the connections that get you ahead, since they have access to different networks and ideas from you.
Tech entrepreneur and author Ben Casnocha has worked closely with LinkedIn founder and chairman Reid Hoffman for several years and writes that the greatest lesson Hoffman taught him was "that you are the average of the five people you spend the most time around. You really are the company you keep."
There's no need for maintaining toxic personal or professional relationships out of loyalty.
Picking fights and holding grudges will make you miserable, Tatum says, whether that's in your personal or professional life.
You'll realize soon enough that your hard work won't always be recognized, either, Rahul Bhatt writes on Quora. But never let that be an excuse to be lazy or bitter.
Use the time when you're still single and without kids to take bigger risks than you otherwise would, but don't live recklessly.
A decision you make in a few seconds off an emotional impulse "can rob you of years of joy and happiness," Tatum writes.
Quora user Arpan Roy writes that as he looks back on his 20s, he's come to see that even though he loves his parents and appreciates their advice, it wasn't always the best for him.
As you grow older, you'll come to see your parents less as authority figures and more as people just doing the best they can. "After all, your parents are human, and humans are not correct all the time," Roy says.
The deceitful manipulation of others and sucking up to superiors can only take you so far — they're not the keys to a lasting, fruitful career.
"The truth has a way of rearing its ugly head, so the sooner you can come to integrity with yourself and the world at large, the sooner you'll be able to get working towards what you really want, who you really want to be," Arjuna Perkins writes on Quora.
"If I could go back in time, I'd introduce my 22-year-old self to a quotation by the writer Brian Andreas: 'Everything changed the day she figured out there was exactly enough time for the important things in her life,'" Huffington Post cofounder Arianna Huffington writes on LinkedIn.
And if you are obsessed with your work — whether or not you love it — understand that you will actually be making yourself more productive by allowing yourself to enjoy life.