Have you ordered the annual copies of your credit reports from each bureau? Do NOT use freecreditreport.com, when you get your initial copies, order them in hard copy directly from the credit bureaus rather than online, as the online version often doesn't match what's in the "real deal" (not sure how this works but that's the way it is)
When was the last time you pulled reports? Have you pulled scores from this site?
I'm not sure whether you can still pull free reports directly from the CRAs once you've gotten them from freecreditreport, but I'd encourage you to pull those three directly from the CRAs, even if it costs you to do it.
Also, I STRONGLY suggest you VERY CAREFULLY watch whatever card you gave to freecreditreport when you called, as my understanding is they're notorious for coming back & charging it later without authorization. In fact, it may be in your best interest to request a replacement card for that account (ESPECIALLY if it's your bank debit card!)