Hi all! Never posted in this forum before. I am looking into a place to live and some seek to run a credit report on me. I would kind of like to see what I'm up against before they do, as I have no idea. When I looked up a place that you can get the big 3 reports from once a year, it mentioned that it does not give your credit score. I don't entirely understand that. But anyhow...

I'm very hinky about sensitive information going off into cyber-land and want to be sure to pick a site that is reputable. Recommendations?

Will I even HAVE a credit report if I have no credit cards? I had one when I was married, but we're talking almost 9 years ago now, so I suspect that may not enter into the picture.

Sorry to be so clueless...