In US, you can check your credit report for free but to get the credit score you may have to pay. The credit reports are offered for free with almost all credit card companies. The below infographic available in https://www.usa.gov/credit-reports helps to see why seeing credit card reports is important (to remain vigilant) and how to do it without paying any money. If you really want identity protection or such value added services, it can come with a cost through multiple partners. Please do share your experience of getting a free credit report and how it worked out.