Hopefully this is just a reminder, but if checking your credit report is not a familiar process, then this is something you need to get on top of ASAP. Make it your New Year’s Resolution.
The only way to get your truly free report is to go to Annual Credit Report. From there, you can get reports from each of the three major credit reporting agencies.
If you want to know your score, you will be given the option for purchasing this. Unless you have a real need to know / improve your score, this isn’t necessary.
You can pick the agency that you want your report from. It will ask you some information that you need to enter that should be known only by you. Once everything is complete, you’ll get to review what the credit reporting bureau knows about you.