Discover Credit Card Company now offers a Free FICO(R) Credit Score!
You do not have to be a Discover Card holder. Simply register for free at https://www.creditscorecard.com/registration. You will be lead through a series of questions to verify you are who you say you are and you do have to input your social security number.
Once registered you will get your official FICO(R) score, the ones that lenders require when getting a loan. You will also be able to shown what is negatively impacting your credit score.
Credit Karma https://www.creditkarma.com/ is also a great site for monitoring your credit but it provides the FICO(R) VantageScore, not the classic score that the lenders are looking at. This site does however email you if something changes on your credit, so it is a great early warning system.
Thank you to the Weekly Sun for bringing the Discover service to my attention!