I work for citi and tell people to use annual credit report .com
It is ran by the three credit beaurus Equifax, Trans Union, & Experian. It says you get one free one a year but it will let you do as many as you want. You should run it for all three beaurus. The reports can vary with information. Most places when applying for loans check the Experian one. Experian is usually the most accurate and has the most info reported. To get your fico it is 14 bucks though. Worth it if you care.