You are entitled by law to a free credit report once a year. If you don't know how to get it, here's how. Go to the Federal Trade Commission website: http://www.ftc.gov/freereports. Click on the link to annualcreditreport.com. That will take you to a site where you can order a free credit report from the three major credit reporting companies (Experian, Equifax and Transunion). The reason for starting from the government website (ftc.gov) is to avoid all the confusing clutter in the search results if you just Google "free credit reports."
Even when you get to annualcreditreports.com, each of the credit reporting agencies will try to sell you services you have to pay for. Just say no. They, by law, can't force you to pay for anything. Eventually you'll get to a place where you can order your free annual credit report.
It's a good idea to get your free credit reports. Mowing the lawn or washing the dishes would be more fun. But if there are problems on the reports, the sooner you deal with them, the better off you'll be. Good luck.
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