Your credit score determines how much interest you pay on your credit card and mortgage.

And a poor score could even shut you out of a job.

In Wisconsin, you can get one free credit report a year from the three major companies:

Just go to Annualcreditreport.com, but that won't give you free credit scores.

If you go to Myfico.com and pay about $44, you'll get all three credit scores as well as the reports.

For more information on credit reports, Consumer Reports has a special section this month.