How can I double check that I do not have any thing on my credit report if I got my annual credit report?

You are legally entitled to a free credit report from all three credit reporting agencies each year.  You may want to try contacting the two remaining agencies. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.