Don’t be fooled by the fear-mongering fake credit report companies.  Go to the real ones – TransUnion, Equifax and Experian. You can access each one of these one time each for free during a calendar year, letting you keep track of your credit all year long.  You can begin the process by going to the official government site to get things started.

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm