Good news! Ever since the federal government passed the Fair and Accurate Credit Transactions Act (FACTA) in 2003, the 3 major credit reporting agencies are now required to provide, upon request, a free credit report every twelve months to every consumer.
A credit score is your credit report distilled down to a single number. The intent is to predict your credit worthiness based solely on the information contained in your credit report. The most popular credit score is the FICO Score.