You hear all of the time how you can get a free credit report, (many aren't really free)! If you haven't gotten yours, now would be a good time and here is the one way I know you can really get it FREE!Each person gets one free report per year thanks to the federal Fair Credit Reporting Act. Get yours on AnnualCreditReport.com. (Note, this is the only site where you can truly get a free credit report.) You can also call 877-322-8228 to request a free report.Don’t expect a free credit score, however. The three major credit tracking bureaus, Equifax, TransUnion, and Experian, will try to upsell you on that. Stick to the report for now because it will tell you plenty about whether there are any mistakes.You will need your social security number and previous addresses. You might also be asked questions that only you know the answer to.If you request your report over the phone, expect to receive it in about 15 days.Once you get your report, about how to interpret it.