Actually, freecreditreport.com is just a scam with an obnoxious jingle (And Ben Stein!) used to advertise it. You want the Annual Credit Report which is the website freecreditreport copies your free report from right before they start billing you for a monthly service.
Like Matt A said, if you don't have a credit card and have never had a home or auto loan, you probably don't have any credit history and thus, no credit score. If this is the case, I would recommend getting a secured credit card from a bank. With a secured credit card, you put a deposit on the card (usually between $300 to $500), which becomes your credit limit. Use it once or twice a month (small purchases) and pay off the balance each month. After several months (maybe a year), you can ask to the bank for a regular unsecured credit card. Here's some more info on secured credit cards:
I use creditkarma.com ... There may be some debate about how accurate it is, but you can check your score daily, and there are all kinds of easy tools and stats: credit simulator, updated outstanding debt, number of open accounts, lots more. For me, it seems to be pretty accurate, because i can see my outstanding debt change after making a large payment. I just took a screen shot of my visit. Click on the credit.JPG attachment below. Oh yeah, it's free.
I agree, but the reality is that, in the US, if you don't have sufficient credit history, you can't get a loan to buy a car or house. I pay for most of my purchases with my credit cards, but I pay them off at the end of each month, so I'm not paying any interest on it.
As bad as the credit card debt is in America, our government's debt is significantly worse. It is an abomination that our government is not able to maintain a balanced budget.
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