Do you know what’s lurking in your credit report? You know, the report potential lenders look at to decide whether to give you a loan or not, and if so how low of a rate you will get? Luckily, you can now get a copy of your free credit report from each of the three big credit bureaus now for free if you ask on annualcreditreport.com but keep in mind that to get the FICO score you will be charged a fee.