As mentioned above, you are allowed to get a free credit report every 12 months from all 3 Credit reporting agencies (Equifax, Experian, Transunion). You can either write each agency requesting the report, or you can get all 3 through www dot annualcreditreport dot com
Also, the credit agencies will usually offer 15 or 30 day trial periods in which you can get your score, as well as use their credit tools and help sections. Just make sure to cancel before 30 days.
Also, for those looking to build or repair their credit, I have gained a ton of knowledge and good information from credit forums such as
consumers dot creditnet dot com/Discussions/ and
creditboards dot com/forums/
Just using the tips and techniques recommended by the members there, I have brought my FICO score up ~110 points in the last year.