Federal law makes it so you may obtain free credit reports, once a year. AnnualCreditReport.com is the easiest site for obtaining your credit reports. ACR is simple and straightforward, and will pace you through to each of the big 3 credit reporting agencies, to collect each record.
But not everyone is comfortable requesting this kind of info over the internet. Or you may encounter an error requesting a particular report. If that’s the case, there are other options. You can mail in a form to obtain your credit reports, or you can call 1-877-322-8228.
PS: In October 2023, the big three credit reporting agencies made a permanent change to allow you free credit reports once a week.
PPS: I am amazed to learn that you can also get your reports in Braille, Large-Print and Audio format! If you need one of those options, check out this page at AnnualCreditReport.com for instructions.