When to start monitoring FICO?

[start-n-over]

Ok my question is:
When should I start to checking my Fico score? In another year or now?

I'm 9 months paid on a 36 month plan. Both cars were buy downs in the plan and having pulled a credit report about 6 months ago I see that they are reporting the cars paid on time. Also my home I sold back in 03' shows 1 30 day late in 12 years. Lots of loans that are shown paid as promissed (something like that)

Will the car loans help bring the score up? I noticed they are being paid down quickly. I guess they get their money faster since they are secured.

[StaciMM]

Having accounts w/ good payment history, and no new negative marks, will help.

I wouldn't suggest monitoring your FICO too closely-unless you're getting ready to buy a house. If not, then it doesn't hurt to see where you stand now but would be a waste of money to buy new scores every month.