By law, you are entitled to one free copy of your credit report each year.  You need to obtain your credit report directly from the three major bureaus or from FairIssac and Company.  If you get it from somewhere else, an inquiry will count against your FICO score. Below are the website addresses you can obtain your credit report and FICO score.

Equifax
www.equifax.com

You may have to enter credit card information for a trial credit score monitoring service.  Be sure to cancel prior to the trial period ending or your credit card will be charged.

Experian
www.experian.com

You may have to enter credit card information for a trial credit score monitoring service.  Be sure to cancel prior to the trial period ending or your credit card will be charged.

TransUnion
www.transunion.com

You may have to enter credit card information for a trial credit score monitoring service.  Be sure to cancel prior to the trial period ending or your credit card will be charged.

FairIssac and Company
www.myfico.com

The current fee for a credit report is $15.95