Managing your credit is more than just checking your credit reports and scores checking your credit reports and scores periodically. You need to be in the habit of avoiding pitfalls. You need to sense it when something is happening that can negatively affect your credit. With that in mind, this section covers some behaviors that warrant your attention. If you ever feel like taking one of the actions discussed here, proceed with caution. Come back to this chapter, reread it, and Come back to this chapter, reread it, and sleep on it before you make a decision.