Personally, I think Kredit Karma is a good deal. The site has adds scrolling down the right side, but you aren’t forced to view them. And you can go there as often as you please for absolutely nothing. Not only that, but the site will search out the best credit card deal for which you qualify, list lowest interest rates, no fee cards, etc. They will retrieve and display your credit history, reveal your score as compiled by each of the 3 agencies. (the scores of the 3 agencies usually vary by a few points.) The site will also notify you of changes in your credit score. All for free.