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I went the Experian way and finally checked them. They were similar then what I thought I had going for me from the other routes ran but this definitely helped out and provided a clearer picture! I must admit, I am kind of addicted to checking them and it atleast gives me a helpful spot of what I need to do, etc. Probably shouldn't have waited this long to figure it out but here I am.
Thank you, all!
creditchecktotal if you tell them you gonna cancel because you can't afford the $30 a month they usually cut it in half but you have to keep doing it like every 3 months.