Answer:
Here's a couple ways...
By law, each of the three major credit reporting agencies have to give you one free credit report (in addition to other opportunities you have to look at your report when you are denied credit based on reports for any of the three)
The three agencies are Equifax, TransUnion and Experian.
The place to get the free credit reports is listed in the related links below.
These reports do NOT include your credit score but, for a nominal fee you can have your score included. I think the last time I got my score in this manner the fee was six dollars.
There are other ways to track your credit score. Some banks such has Washington Mutual offer credit cards which include availability to your TransUnioin credit score anytime as an extra perk of the card.
Also, the higher end Microsoft Money software packages include a year of free credit score monitoring, I think there's was from Experian and you could get that score anytime you wanted.