You can get a free credit report if you have been denied credit within the past sixty (60) days, are unemployed and seeking employment, are receiving public welfare assistance, or believe your credit file has inaccurances resulting from fraud. 
Otherwise, it will cost \\$8.00 per report. 

It is recommended that you obtain a credit report from all three agencies, as all creditors do not necessarily report to just one agency. 

Here is a list of the four largest credit reporting agencies.  Proof of residence or identification may be required to receive a report.

Credit Data South West, Phoenix Az. www.cdsw.com

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Equifax, Equifax Information Service Center, Post Office Box 740241, Atlanta, GA 30374, 1-800-685-1111, www.equifax.com

TransUnion, Consumer Disclosure Center, Post Office Box 1000, Chester, PA 19022, 1-800-888-4213, www.tuc.com

Experian, Post Office Box 2104, Allen, TX 75013-2104, 1-888-397-3742,
www.experian.com

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