Normally, I do not do this. But I understand that most of you would like to save money to buy new hardware, software, or something huge for your computer systems. To receive a free credit report go to www.annualcreditreport.com. I would recommend you to get a report from all three agencies (Equifax, Trans Union, and Experian). 

After you get your reports and review them I would recommend you to read the links that I have provide below. 

How to Clean your Credit report the right way

More on How to to Clean your Report