There is a law that says you are entitled to a free copy of your credit report each year.
You can get the report at http://www.annualcreditreport.com/. It is easy to do.
If you want credit reports more than just once a year, there are a large number of businesses that will provide that service for a fee. Just search for "free credit report" on line.
The main point is that you can (and should) get a copy of your credit report at least once a year. The law gives you rights to correct any errors you find (or at least submit your side of the story).
Richard
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Richard