It doesn't cost money to look up your Credit Report. By law, you're allowed to get one free Credit Report every year from all 3 Credit Bureaus.

You can go to annualcreditreport.com to get your reports.


As it was mentioned before, if you don't have a long credit history (less than 2 years) then it will be difficult to get loans, even with a good score.

Also having fraudulent activity in your report could affect your score significantly. You don't know if someone else is using your social. There was actually a dreamer on this website who found out that their "new social" had already been used to get credit. So it is essential to get a copy of all your reports to make sure everything is yours and that all the information is correct.