Fair Credit Reporting Act

Your Access to Free Credit Reports. Read on for more...

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at your request, once every 12 months. The purpose of these reports is to promote the accuracy and privacy of information in the files of the nation's consumer reporting companies.

And who else can verify that but you. So take charge and find out if they got it all right.

Go to this site:
http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm

The actual website name is in the first question on the above page.
Be careful of other sites that might be fake. So to be on the safer side, always go via the above link (Federal Trade commission's site).

For next year, request the reports such that you receive report from one agency in Jan, from another agency in May and from the third agency in Sept. That way you get reports throughout the year!