The Federal Fair Credit Reporting Act has been amended, requiring each of the national consumer reporting companies, to provide you  with a free copy of your credit report, at your request, once a year. TransUnion, Experian, and Equifax are the three companies required to do so. Don’t pay for your credit report, or get lured into joining a paid program, when you can get it free. Freeannualcreditreport.com is the only website used by the three credit reporting agencies. Beware of so called free reports.  This is the only FTC recognised source. Take advantage of the website in order to submit the proper forms, or, if you prefer, the process can be expedited over the telephone, or by the U.S. postal service.