When you are looking to make a big purchase or sign up for a service of some sort that requires you to be billed, the company may want to see how good you are with money and at paying your bills. They do this by looking at your credit scores, which are determined and recorded by three credit bureaus. They factor how good you are with money by using a number of things, such as how well you pay your bills and if you have any outstanding debt. It’s important to keep an eye on your scores so you know if it’s poor.