https://www.cnbc.com/select/why-you-should-know-your-fico-credit-score-how-often-to-check/
Checking your credit reports for free at http://annualcreditreport.com/ is a good start.
But to know the score(s) used by most lenders — the FICO score(s) — consumers must look beyond just their free credit reports or even the Vantage scores offered by the credit bureaus.