Answer: -check out annualcreditreport.com for a free copy. It will not give you a free score. Generally speaking they will ask simple questions like what company did you have an auto loan through, date of birth etc. Each bureau is a bit different in what they ask so one may ask to confirm an accout number. If you are seeking a score that will cost about 5.95+ -You can get one free report per year this is the web site to do it. You do not need a credit card. -I would not put your card number in. The free reports can be obtained by calling the Equifax or Transunion telephone number and going through an automated system to have a free report mailed to you.