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The government requires the credit reporting agencies to provide you a free credit report once a year.

No need to sign up for a service. Nothing to join.

You don't need to join a credit monitoring service to get this report!

Go to Free Credit Report Website

Federal Trade Commission Consumer Protection site

FICO, the company that produces credit scores, is providing some information about how your credit score is affected by certain events.

  On a 680 score On a 780 score
Maxed-out card -10 to -30 -25 to -45
30-day late payment -60 to -80 -90 to -110
Debt settlement -45 to -65 -105 to -125
Foreclosure -85 to -105 -140 to -160
Bankruptcy -130 to -150 -220 to -240

source: FICO

Here is the MSN Money article with more information.
"5 ways to kill your credit scores"