You are entitled by law to check your credit for free with the 3 agencies once a year. You won't get a credit score but you can add it on paying a fee. You get for free your entire credit history to review. You can get to the free reports through this site.
Edit: The free report is very detailed it will show you every loan or account opened; your credit limit, recent balances, payments and history of payments for the last 2 years.
~*Rich
1.0 100% Het Albino
1.3 Normal
1.0 Spider
0.1 Mojave
1.0 Pastel 100% Het Goldfinger
0.1 Pastel 66% Het Goldfinger
0.1 Pastel PH Goldfinger
I signed up with a program at Bank of America that sends me e-mails when anything changes. I get an overview of all 3 scores and a history...i likes it