Answer: -The free annual report will let you pay a few bucks to get the score. That will not affect your score. If you go to a car dealer or bank, they can tell you, but may not want to just run it for you for nothing. Plus that does hit you for a couple points. Stores (Target, Sears etc.)usually dont get the score, just an approval or decline.In short, no, you cant get it for free. -Most banks won't run a credit report for you but you can ask. I'd try FreeCreditReport.com it will give you your score but you have to give them some info about so they can find your report. It won't hurt to to have a credit report ran but if you have a lot of reports ran in a short amount on time you may be turned down for loans because they don't know if you had someone run a report for your own info or if they did it because you are trying to get a credit card. -Every American is entitled to One Free Credit Report each year. Did you try: AnnualCreditReport.com ??