AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).
Take advantage of this, don't be fooled by some of the companies out there. This is the only real way to get a free credit report. The Fact Act mandates this free report.
This will provide your actual credit report, however it will not provide your credit score for free. You will have the option of paying for your credit score.
A good way to monitor your credit, is to pull one report from one credit bureau every 4 months throughout the year. This way, you have a good idea what is being reported 3 times per year, and never have to pay for it. It's a good way to spot unusual activity on your credit profile, and confirm creditors are correctly reporting your information.