You know the importance of periodically checking your credit report, but can't stand those scams which provide "Free Credit Reports", if you signup for the not so free service. The Federal Trade Commission allows you to get 1 credit report a year from EACH of the 3 credit agencys' at absolutely no cost. (If you want yiur credit score you will have to pay from $5 to $10, depending on the agency.
I make it a annual practice of getting all 3 on my birthday.
The link below takes you directly to the FTC homepage were you'll finf links to get your credit reports.