You can either check your credit with the mortgage company (ask for all 3 scores, because each credit bureau reports differently), or, you can use mentioned before http://www.annualcreditreport.com - which will charge you for each score, but it is reliable in terms of personal info handling.
There are a lot of things that can be done to improve credit scores:
One, most useful, is to have your used credit to available credit ratio below 30% on each credit line.
Another one - not to close your credit lines, and continue using paid off credit cards - or the credit line will be closed, reducing your available credit amount - and giving your worse scores.
Beachfront Realty, Inc.
Go to: https://www.annualcreditreport.com/cra/index.jsp to get them.
These reports, however, do not include your credit score. When you order the report they will ask you if you want your credit score as well and charge you for that. Usually under $20.
Another alternative to to go to the source at MYFICO:
You can get credit scores for 2 companies for free by signing up for the monthly service on a trail , but you must cancel before 10 days or be billed.
Your score may vary a little between companies, but if you buy one it will give you a good idea of where you stand.
The MYFICO website is the ultimate source for understanding credit scores and credit scoring information.