yes
There are a number of websites one can use to check one's credit rating for free. Some of these sites include 'Experian', 'Privacy Guard' and 'Credit Karma'.
Any of the on line auction sites.
Facebook has a free Scrabble game. That is where I play.
bpchat.yolasite.com
no
Many reputable sites will give you a free credit rating. You can also contact your bank, and have them send a score to you through their provider. Here are some sites that offer free credit reports: www.freecreditscore.com www.equifax.com
They say it's free so that you join and then you have to pay. They are just trying to get your money I would say, there are free sites though. I use them all the time.
There aren't any programs that you can download, or any sites that will give you free Runescape gold.
yes its really free music site
audiotool.com
yes
Yes, there are free photo book sites! Smilebook is a site that will put together a photo book for you for free, however you do have to pay for shipping. The package is free.