credit ratings

I haven't been idle, I've been looking into my financial literacy - beyond the "i don't have any" view that I had before. I learned how easy it was to get my credit report - I thought I was complicated, but no - and I was happy to see that mine is okay - considering my debt, and lack of savings. I was also looking into identify theft, which scares the pants off me. My goal this year is to stop shutting down whenever I hear math/money words. I need to make sure that I understand more of the stuff I've signed up for and will depend on in my old age.