There are dozens of ads on TV, in magazines and on the radio about websites offering “free” credit reports, but most of these sites want to sell you services.  There is one site that’s the real deal, however.  That’s Annual Credit Report https://www.annualcreditreport.com/cra/index.jsp , a website set up to comply with government regulations.  It is the only website the FTC recommends.  Use it as a portal to obtain credit reports from Experian, Trans Union and Equifax.  Once linked to the credit reporting agencies, THEY will try to sell you services, but those services are not necessary.  The information you need is available free. 

 Once you get a report, check it carefully.  Is the information correct and up to date?  If not, you should let the credit reporting agency know.