You are entitled to a free credit report every 12 months!
The three major credit reporting services - Equifax, Experian and TransUnion - have agreed to provide consumers with a free credit report every 12 months. This is due to the Fair and Accurate Credit Transaction Act.
Consumers can also request the reports by calling (877) 322-8228 or writing to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.