A relatively new law promotes free access to credit reports.  A recent amendment to the federal Fair Credit Reporting Act (FCRA) mandates that each agency provide you with a free copy of your credit report, at your request, once every year; to accomplish that a website was created annualcreditreport.com .  From this site you can see your report and dispute anything that is inaccurate.

WARNING:   you dont need these add-ons

For additional fees, each agency may offer you different report variations, such as:

• A credit report with or without your credit score.
• A three-in-one credit report that lets you see a side-by-side comparison of records, from all three agencies, with or without scores.
• Notification services when your credit history is requested.
• Routine notification changes to your file.
• Subscriptions that allow you to access your report on a regular basis.

Stay away from sites like "Freecreditreport.com"  They will try like crazy to sell you things you dont need.  Use annualcreditreport.com