How is it possible to get a free credit report?

There are two ways to get a free copy of your credit report once a year. The first is to call the credit bureau and speak to customer service and once they verify who you are they will mail you your report. The second way is to visit the credit bureau's website. Make sure to call all three credit bureaus because you are entitled to one from each free for a total of 3. Not to mention that they may not have the same information. You can also request a copy free when you have been denied credit.