Late night thoughts

I keep hearing about credit report services, but I'm not sure if they are being directed toward Canadians, or Americans, or both?

I do know that being late on payments or defaulting on a loan can affect my Credit Score, but are they the same in both countries?

I don;t have to worry about it, I don't think, becuase five years ago when we applied for Our Mortgage our credit history was perfect and we've not been late nor defaulted on anything in that time, but this is one of the questions that keep me up at night!

What kind of things keep YOU up at night? Money worries? Family worries? that the puppy still pees in the hallway after six months worries?

Tell me!