Physical fitness is something many strive for, but the Better Business Bureau also wants you to think about your fiscal fitness. Pulling your credit report on a regular basis is a smart way for consumers to stay on top of their financial health, according to a BBB investigator.

The reports also can help you figure out whether someone has stolen your identity or tried to commit financial fraud. If you have a bad credit score, there are companies out there that will offer to "fix" your score, but Bill Smith says that's just not possible.

CUT: 7114D RUNS: 24 CUE: asking for trouble

He also says you can check your credit report free of charge, but be wary of websites that advertise free in their name. He says the only way to get a truly free copy of a credit report is by using a service sponsored by the three nationwide credit reporting agencies – Experian, Equifax and Transunion. The service is available at or by calling 1-877-322-8228.

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