Free credit reports. No, really.

Everybody has heard the ads on the radio for free credit reports. Unfortunately, the companies running those ads often require you to join there credit monitoring services to get your "free" credit report. However, by Federal law, you are entitled to one, truly free credit report, from each of the three main credit reporting agencies each year. Here are the facts from the Federal Trade Commission on how to get this free information.
Your Access to Free Credit Reports