The final step should serve as a commitment to your credit worthiness. It is extremely important to maintain credit monitoring, both as a precautionary measure to prevent identity theft as well as to remain informed of the information that is reflected on your credit report. Credit monitoring allows you the opportunity to review and respond to any inaccuracies quickly. In addition, learning how and when to use credit is a skill that will help you maintain a positive credit score. Score Pros will provide education regarding utilization, budgeting and debt management to ensure your financial sustainability.