First, many lenders rely heavily on your credit score to determine any risks with lending their money to you. Access the MyFICO website and sign up. This has a free 30-day trial, but will ask you for your credit card number for verification.
Make sure that you cancel your account before the 30-day grace period is over if you do not wish to make any payments .
Once you complete a bunch of questionaires regarding your credit score , you will receive your own FICO score. These scores are subject to change from a month to month basis, so make sure that you always make all of your payments on time to build your credit score as well as to maintain one.
Other free sites for obtaining your FICO credit score include Freecreditscore.com, equifax.com, and Gofreecredit.com. Most of these offer only free trial periods, so make sure that you call before the trial is over to avoid paying for anything.