A very important step in sorting out any of your credit affairs is obtaining a free credit check. There are several ways to go about doing this but one of the most popular is applying for a line of credit somewhere. By doing this you are agreeing to let a company pull your credit score. If you are approved for that line of credit then great! You are on the right track. However, if you are denied then that company is obligated to send you a credit report along with your denial letter provided you request it. Another way to get a free credit check is to go online and sign up with a company that performs credit checks on people. In some cases you can find one that offers one initial free credit check for signing up. You can use that first one for yourself and then cancel the service if you think you will no longer have nee of it.
Keep in mind that every time someone does a credit check on you your score is liable to go down a bit. Do not go crazy and get a free credit check more than one time every year. Otherwise, you could be damaging your credit. There is one very reputable credit monitoring website (annualcreditreport.com website) that many people use to obtain a free copy of their credit report. You must be aware that there are also a number of undesirable sites that have poor intentions, such as stealing your information and so forth. Make sure whenever you are going to a specific website that you always type the address in precisely. Otherwise you may be redirected to a site that is fraudulent and does not have your best interest at heart. Unfortunately, this does happen from time to time.