Not 100% in line with the question, but an additional (free) way to check your credit report is after a denied credit request. You will usually get a letter saying you have 60 days to request your free credit report. You can do this from annualcreditreport.com online or by contacting them over the telephone. (This information and other useful info about credit reports is available at the Federal Trade Commission's website here: Your Access to Free Credit Reports
By the Fair Credit Reporting Act (FCRA) the three major credit reporting agencies, Experian, TransUnion and Equifax, are required to provide you with a free copy of your credit report every year. That's one credit report from each of them for free. Some people prefer to get one from each agency in turn every four months so that they can monitor their credit throughout the year. Note that this information will NOT contain your credit score, you have to pay to get that (and if you're interested in those, I recommend you get them directly from each credit agency separately, don't accept the offer to 'bundle' them - it works out less expensively to do it separately).