How do you get a credit report and what do you do if you see something unexpected?

you can receive 3 credit reports for free every 12 monthes. Go to annualcreditreport.com and you can either select to see all 3 at once (which means you have to wait another 12 monthes for another 3 chances) or you can just choose 1 credit report to view, it's totally free, but only at annualcreditreport.com also if you apply for credit anywhere and get turned down you get to receive a free credit report.