This isn't like freecreditreport.com where you have to give a credit card and if you don't cancel it they sign you up for some annual credit reporitng and protection at like $89.99 a year.

No. This is really free.

HOW TO ORDER YOUR REPORT

Online, www.annualcreditreport.com

By phone, 1-877-322-8228

By mail, send written requests to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281

Under the Fair and Accurate Credit Transactions Act, consumers can receive one free credit report yearly from each major credit bureau: Equifax, Experian and TransUnion. You can receive reports from all the bureaus with a single request or make separate requests to receive reports from each bureau at different times of the year.

You'll need to provide your name, birth date, Social Security number and current and previous address if you've moved in the past two years.