Trey,
Best place to check your credit reports on a daily basis, and you can pull all 3 every 24 hours (new reports) is,
www.truecredit.com
Like 12.00 per month or so.
Now on Truecredit the scores are not fico scores, we call them FAKO scores.. They are not your real scores and could be up to + or - 100 points or so from your true fico scores. But it gives you an idea of where your scores are..
Only way to see your true fico scores are at,
www.myfico.com
Experian scores are fako, trans Union Scores are Fako. If you have Equifax Score power, then that is a true fico score, well credit card enhanced, but close enough.
You can pull your reports a thousand times per day and it will never ever effect your score.
Only "hard" inquires effect your score, when you pull your reports it's a soft inq and other companies never see that you pulled.
For util. Purposes always keep your total revolving balance under 50%, best to always keep it under 30% if you can.
Installment loans, i.e. Cars, homes, etc don't effect your util really for fico purposes.
Thanks
Todd