If you don't have a copy of your credit report, use the link above to get one. This is the site that TransUnion, Equifax and Experian set up so we can all receive one free credit report every year. You can also challenge incorrect data on this site but think twice before you do so. You might have to wait for the challenge to be settled before you apply for you mortgage.
It very important to have your own copy of your report. You don't want ever lender to speak to running your report, you could lose precious point by doing so. It's call a Hard Inquiry. When you run your own report it's considered a Soft Inquiry and doesn't affect your score.
If you want you credit scores you will have to pay for those.