Yes, you can contact each agency independently.
Or, http://www.AnnualCreditReport.com is free but not with the credit scores just the data.
Jeffrey Masich, Realtor, GRI, MBA
Another option would be to talk to a local lender, get pre-approved. There should be no cost nor obligation for this, and if they pull your credit can walk you thru it, show you what to work on or what you are pre-approved for.
Best of luck
Spirit Messingham, PLLC
3rd Generation Full-Time RealtorÂ®
Tierra Antigua Realty
Direct (520) 471-6900
Fax (866) 365-5208