Under the FACT Act amendments to the Fair Credit Reporting Act you are entitled to one free credit file disclosure in a 12 month period. To request this free annual disclosure you may contact the Central Source on-line at
www.annualcreditreport.com.
You can also contact the Central Source to request this free annual disclosure by calling toll free (877) FACTACT or by using the mail request form available at the central source website located at
www.annualcreditreport.com.
Be aware that there are services that will give you a free credit report if you sign up to try their credit monitoring service for free. After the first month, if you do not cancel, they start charging you for the service.
I am not saying that credit monitoring services are a scam. A great many people benefit from them, but more often than not, the free report ends up costing you money.