The Federal Trade Commission explains your rights to access consumer reporting information that affects your credit score. You can access your credit report for free from each of the 3 credit bureaus once a year. The best way to use this to your advantage is to pull one credit report every 4 months from one of the credit bureaus: Equifax, TransUnion, or Experian. By the end of a year you will have used your 3 allotments. The only official website designated for this purpose is www.annualcreditreport.com.
If there is information on a credit report that has been reported inaccurately, then you can write that credit bureau and explain why it is not accurate. Send copies of documentation that show why the information is incorrect.
If a company denies you credit, insurance, or employment, you are entitled under federal law to ask for a copy of the credit report they pulled on you. You have 60 days to make this request in writing. The denial notice that you receive should include the name, address, and phone number of the credit bureau to contact.
Your credit score is not included with your credit report. The credit report shows factors that affect your credit score, but not that actual credit score. You will have to pay for your credit score separately. You can order that from any of the 3 credit bureaus. You can also use a FICO score estimator that is available from Bankrate, Inc and myFico.