Collins Dictionary gave the following rules that will help us learn how to use check out and check up (on).
(a). Check out
-If you check out something or someone, you find out information about them to make sure that everything is correct or satisfactory.
Ex. Maybe we ought to go down to the library and check it out.
(b). Check up (on)
-If you check up on something, you find out information about it.
Ex. It is certainly worth checking up on your benefit entitlements.
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