This is like your Bible, only you do not carry it around. It tells you your whole credit history, bad and good. You are judged in the financial world we live in, on this alone. Without it, you would not be able to purchase most assets today.
The word credit, means power. With it, you can almost anything you want in life assuming if you have good credit. Without it, you feel worthless and will not be able to achieve or make it hard to purchase the necessities or luxury items in life, generally speaking. The days of paying with cash only are gone.
So if you value your credit worthiness, you will TAKE the time and effort to annually or check your credit reports often in order for you to be safe in a very cruel world we live in which our credit means everything we do in this day and age of financial credit worthiness.