No really, free. No singing pirates or crappy cars, just a true free credit report. Everyone is entitled to a copy of their credit report otherwise known as a credit file disclosure. A credit report, provides you with all of the information in your credit file maintained by a consumer reporting company that could be provided by the consumer reporting company in a consumer report about you to a third party, such as a lender. This is the official site to obtain your report so go and take a look and see what is on your file, it just may surprise you. Go to AnnualCreditReport.com.