I have calendar reminders set four months apart to get and review credit reports, going round-robin through credit agencies. This gets me a (free) credit report

I have calendar reminders set four months apart to get and review credit reports, going round-robin through credit agencies. This gets me a (free) credit report 3 times a year. I have a Citi Doublecash with no annual fee and they provide a credit score. Been with them for many years though so your eligibility may vary.