You can get a free annual credit report from
Under the Fair Credit Reporting Act, as stated by The Federal Trade Commission (FTC), you are entitled to one free credit report from each of the three main credit reporting companies in a 12-month period. Read more at: Your Rights:Credit Reporting.
The FTC provides information on how to obtain your free annual credit report. The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.
To order your free annual credit report online, visit annualcreditreport.com. Receive your report by phone using the number 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time.
When you order, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.
Since you are providing personal info, it's important to know you're not being scammed. Read the "Warnings" on the Facts for Consumers page from the FTC website.
That's it. It's pretty easy once you know where you should go for your real free annual credit report.