You can start by getting your full credit reports at www.annualcreditreport.com. This is the official site required by the government to give you a full copy of each of your 3 reports once a year (although it may be allowed more often due to COVID). If you can't verify your information, you can call the credit bureaus to see what's up. If there are any mistakes, the credit bureaus have to correct them (name, address, etc.). The free credit report does not include a score, but you can pay for that service if you like. Or, you may be able to sign up for the free sites that have scores once you get your official reports because you might discover there is some piece of incorrect information that is blocking you from registering for the free sites.