Getting your credit report each year is very important, especially with so much identity theft these days. I recommend that you get your free credit reports from the 3 reporting agencies at one time, securely and on-line, at https://www.annualcreditreport.com. They will not give you your credit score, but you can purchase that for under $8.00 if you want it. Most of the ads you see on television for “free” reports provide your credit score, but usually require a trial membership that has to be canceled, or you will be charged an annual fee.