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A Sears credit card does not have an annual fee charged. However the regular interest rate is approximately 22.79%. A Visa or Mastercard may give you a better option.
The credit bureaus are legally required to give you a copy of your credit report on request (there's a limit on how often you can ask for it, but if you've never asked for one you should be okay there).
A free annual credit report does indeed give you a credit score. Sometimes they will even give a credit score from several credit score companies just to get a better overview of your credit.
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