Free Credit Report, No Gimmick. Available Once A Day. Ad Supported. A Completely Free Site . You can even use an ad blocker and the site will still work for you.
http://www.creditkarma.com/
Press Reports:
http://www.creditkarma.com/about/press
http://www.newsobserver.com/2010/05/09/472464/get-your-credit-score-free.html?storylink=misearch
http://www.moneycone.com/how-to-learn-your-credit-score-without-spending-a-dime/

•Do you offer your services in the UK or Canada? Not at the moment.
•Does using your service hurt my credit? No we use a soft inquiry which does not affect your score
•Why can't my data be validated? We match to the bureaus. email support@creditkarma.com
and they may help
•Do you spam member or sell your list? No, we send less than one email per month. We never sell, share, or rent any consumer PII with third parties.
•Where is your score from? We buy it directly from TransUnion.
•My score doesn't match ,xxxxx? There are dozens of scores in use from different bureaus. This is one of the reasons why credit scores are so difficult to understand.
.We are PCI compliant that means we have to use the same security as sites that store and accept credit card data. We are also audited by TransUnion for data security since we buy the data from them. We also recieve security audits from Citibank since we are one of their partners. Lastly, we use Rackspace which is a publicly traded datacenter so you know the servers are not in our basement.

Combined with the knowledge from this site and your free credit reports, you may be able to climb up from a low credit score:
http://www.debtorboards.com/

You know that it is time to do something about your low or bad credit. Use these two free sites to get started now. You can do it all yourself, you don't need to pay anyone.

Knowledge is power. Now you have the tools to get started in helping yourself . You can now be a student in your own recovery process.

May God bless you and give you the unction to action. That you may receive encouragement and hope. May your year of Jubilee from financial bondage and oppression start now. May you find blessings overflowing and overtaking you in ever increasing portions to the point that you can hardly contain them. Spilling out to others around you in the name of Jesus Christ our Lord and Savior.

Please share this valuable information with everyone you know who has been discouraged and has lost hope in ever being able to come out from under their bad credit and debt...