The agencies which track and provide your credit score also offer other (paid) services such as credit monitoring and identity theft proctection.
You have the right to get a free copy of your credit file disclosure, commonly called a credit report, once every 12 months, from each of the nationwide consumer credit reporting companies, Equifax, Experian and TransUnion.
There are 3 ways to get your reports. Do not contact the credit reporting companies individually.