I heard that starting today you can go online and recieve a free report? Is this true and where do I go to get it?
Depending on your state (some have been available, some not yet), you can get a free report from any or all of the big 3 at http://AnnualCreditReport.com You can request it by mail, phone or online, just be careful, you might be starting some new/renewed activity from JDBs, CAs etc.