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You will need to enter personal information to obtain your credit report so make sure that the site you are using protects your sensitive information.
A vast majority of adult sites require a credit card for signup as an age verification measure.
These sites provide information and credit counselling as well as debt management services.
As for those that don't require a credit card for upgrading, they are few and far between. Online payments using a credit card are straight-forward and secure.
An auto loan calculator can be used to figure out estimated payment amounts and can be found on multiple web sites and at your local bank.