How is my credit? How can I find out? What should I do?

I havent payed my credit cards in ALMOST a year. I have a Macy's card. A Victoria's Secret card and a First Premiere Card. I have no idea what my credit looks like and I NEED to buy a car asap (I work at a honda car dealership so I can get a good hook up plus i dont have a car at all) I want to know how can I find out my credit score for free if possible and without hurting it? Also, could not paying my cards risk my approval for a car? and the car is not a want but a NEED. I'm 20 years old (I'll be 21 in may) If you guys need any more information I can give it but I need some help!

BEST ANSWER: Try this site where you can find the best solutions for you:SMARTFINANCESOLUTIONS.NET

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