What is a reputable site for a credit report with a credit score also?
The three mentioned sites can also be visited separately (at the obvious .com URL’s), but the Annual Credit Report site makes it easy to get your yearly free report as mandated by law. Your FICO score is available from the individual sites, but there’s a fee for it (typically somewhere around 5 - 7 dollars).
What Quixotic posted is the best place to start, but a service I use is MyFICO (I learned about them in an issue of Consumer Reports). You can order your credit report and score for $15 per service, or they have a package to order from all three at once for $45 – which is what I did. The reports/scores are available almost immediately, and everything is very easy to understand (the information is only available online for a month or so, but you just need to take a screen shot or copy it down somewhere). Also, I haven’t gotten nagged/spammed by them, which I consider a big plus. 
I just checked my credit report for the first time and I have a “hard inquiry” from Target. I applied to Target for a line of credit in March because I had no credit whatsoever in my name. I got rejected by target so I went to my bank and got a secured credit card and now I just have a $500 line of credit, but this Target ding is ridiculous. If I would have known it would say “hard inquiry” and “may impact your credit score” I woul’dn’t have applied to Target. How do I get this “hard” Target inquiry off my record? If I do apply anywhere else for credit like JCPenney or KMart will I get a “hard” inquiry again or was it “hard” because I didn’t have any credit to begoin with earlier this year? If I get another line of credit but don’t use it will it raise my credit score also?
You are making it sound like they are doing something wrong when that is what credit reports are used for. I don’t think you get rid of an accurate entry on your credit report. The three agencies are wary of such things. The best you can do is have things flagged and investiged but what is there to investigate?
The credit models take additional credit seeking behavior into account for a reason. That is a valid predictor of who will be a credit risk in the future. Applying for store charge cards especially a few of them in a short period is not a good predicts an increased risk. No one just makes these factors up. They accurately predict who will default on credit better than anything else we have. The factors used in the model were derived from statistical analyses of real-world consumer behavior.