Yeah, definitely get all 3 reports for free now through
www.annualcredit.report.com Clear up any errors. Then, when the new year gets here, you can stagger your 3 free reports throughout the year like Jeffrey recommends.
I didn't know that only the FICO score was correct... Now I'm wondering about the score I paid $7.95 for from Equifax...
It's great that you are looking into these things now. We started about 9 mos in advance of buying our house. There was a negative error on my account that took all 9 mos to correct.
Best wishes!