I was just checking my credit score on Credit Karma and thought I would post about this wonderful site. It is totally free and never asks for your credit card and its very accurate. The beginning of the month is a perfect time to check your report so you can get the month off to a good start.
What I love about it is that not only does it give you your score but it shows you a “grade” for that score.
It also breaks down your credit score into several categories like your percentage of on-time payments, age of open credit lines, how many accounts you have open, derogatory marks against you, and it even will show you your debt to income ratio if you enter your income.