One of the most important things in your personal finances when it comes to getting a home mortgage loan is your credit score and your credit report. You should check your credit information regularly, just to make sure that it is up to date, accurate and that you are on the right track.

If you are looking for a truly free credit report or score (without having to sign up for a paid service), here are some ways to do that:

* Annualcreditreport.com: This is the Web site set up by the three major credit bureaus in response to a law that requires them to each to give you one free credit report a year. No free credit score, though.

* Creditkarma.com: A Web site that offers to check your credit score at no charge to you. No credit report, though.

* Listclassaction.com: TransUnion recently settled a lawsuit, and the terms include the ability to view your credit report and credit score, both for free, from TransUnion.