I just pulled one of my credit reports from the ONLY site that is totally FREE. To get your free credit report directly from the three agencies you need to go annualcreditreport.com to log in.
Once you have filled in the necessary identifying information on the first page you will be able to request a credit report from
You can request all three at the same time or you can do what I do, which is request one from each bureau every four months so that you spread out the reports over a full year.
I was only able to get one report this time because it is not time for the other two to be available to me. I am not worried because I have alerts on my accounts that tell me of new activity and I am aware of what is happening with my credit.
I just wanted the information as a general part of keeping up with my finances and I urge you to get your free credit report if you have not already done so.