What is my Credit Score – How do I know what my credit score online for free?

What is my credit score, I mean, where do I know that my credit score online without paying anything? I hear a lot in the news these days about how bad credit can cause financial problems, but what it really means and what I can get a free credit score report online? (I do not know if you have to pay for these things or not) Is this something I have to worry about, or just more alarmist media? Where can I find out what my credit score is free, any help?

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