No Subscription or Credit Card Needed

Several websites now offer at least one free credit report. These sites make money through advertising so they can afford to offer you a credit report for free. Register with these sites to get a copy of your free credit report:

CreditKarma.com
CreditSesame.com
Quizzle.com
WalletHub.com
These sites do not require you to enter a credit card number or enroll in a trial subscription to get your free credit report.

Education

Put some time into understanding how credit works and how your credit scores will be impacted by your actions—late payments, opening a new line of credit.
Fair Isaac Tools—creators of the FICO credit score—have several tools that can help you understand credit scores, including a free credit score estimator and a loan savings calculator.

Monitoring

There are several companies—CreditKarma, CreditSesame—which offer free credit monitoring. Carefully watching your credit score can be helpful if you are actively working to improve your credit score or are nervous about identify theft.

Sometimes companies will offer you a year or several years of free credit monitoring when your credit information has been compromised due to a breach of their data storage system.