Are your finances where they should be for 2017?

The year is more than halfway over. Have you acted on all those financial resolutions that you set at the start of 2017?

If not, there’s still time to tweak your portfolio, cut down on fees and take other favorable actions. Here are some suggestions:

Check at least one of your credit reports

And do the others in coming months. Everyone can obtain free credit reports through annualcreditreport.com (1-877322-8228). You’re allowed one free report every 12 months from each of the three reporting bureaus — Experian, Equifax and TransUnion. That translates to three free reports in a year.

The information in credit reports is used to tabulate your credit scores — numbers that lenders use to determine whether to extend loans and at what interest rates. The public’s understanding of credit scores actually eroded over the past year, according to a recent study by the Consumer Federation of America and VantageScore Solutions.

In particular, many respondents seemed less sure about which types of businesses may use credit scores. You can test your knowledge by taking the 12question quiz at www.creditscorequiz.org.

Manage your Social Security account

Even if you’re too young to start collecting Social Security retirement benefits, there are reasons to pay attention. By opening a “my Social Security” account at ssa.gov, you can learn more about the program, estimate your benefits and verify that your annual earnings have been accurately reported by employers.

That latter point is important, as your ultimate retirement benefits are affected by your job earnings. The Social Security program bases benefits on each worker’s average lifetime earnings, extending up to 35 years.

When the time comes, you also can use a Social Security account to apply for benefits.