You will need to pull your credit report from all three. If there is a reason to suspect identity theft, you can get copies for free, otherwise it will cost up to $9, which is a small price to pay when you are trying to build your credit and see how your score adds up and what you can do to get a better score next time.
Credit Bureaus in the US
Equifax — www.equifax.com
To order your report, call: 1-800-685-1111
or write: P.O. Box 740241, Atlanta, GA 30374-0241
Experian — www.experian.com
To order your report, call: 1-888-EXPERIAN (397-3742)
or write: P.O. Box 2104, Allen TX 75013
TransUnion — www.transunion.com
To order your report, call: 800-916-8800
or write: P.O. Box 1000, Chester, PA 19022.
US law states that you can only be charged $9 for a copy of your credit report from each bureau.