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www.annualcreditreport.com - this is the free site that the govt. made the credit card compnies set up so people could get a free report from the three main credit agencies every year.
All the other sites will eventually charge you this is the one to use.
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This is true. You can also call 1-877-322-8228.
You can get one free report each year from each of the 3 major reporting agencies (transunion, experian, and equifax).
One trick I heard about is to get one free report per year from each agency, spaced out over 4 months each. So, you get your trasnunion report in Jan. and then your Equifax report in April...
But they're not always the same, so it might be better to just get them all at once (that's what I do).