By Dave Lieber, The Dallas Morning News (TNS) If you’re someone who manages the family’s finances, worries about identity theft and values maintaining a good credit score, The Watchdog has the latest updates for you. Specifically, let’s dive into what credit reports and scores really mean, how you can access them and why staying on top of them is so important. I recently tuned in to a town hall on consumerism sponsored by the U.S.