MyFico.com offers a Free Credit Score and Credit Report with Transunion after code FICOFAN. This is a $16 savings. This information can really help you by seeing what is bringing your score down and therefore costing you in interest rates. It even tells you who has reported you for late payments and they offer assistance with dispute letters. No payment info needs to be entered. Note that the redemption cap is 4000 uses so act very quickly.