Keeping track of everything reported on your credit will help you catch any problems that arise quickly as possible, so you can catch and fix them before they become unmanageable.
It does not matter if you are fixing your credit or maintaining your credit. Keeping track of your free credit score and credit history is imperative when keeping finances healthy.
Surprises on your credit report, unwanted charges on your credit cards, cards opened up in your name. These unexpected events and more can make it impossible to make large purchases on your credit.
Most of the time, when you think of debt, it would be medical debt, credit card debt, etc., but there is debt that is “good” as well.