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Figured I would add necessary info since the title of this post is free credit reports. www.annualcreditreport.com 877-FACT-ACT Experian - 888-397-3742 Equifax - 800-685-1111 TransUnion - 800-916-8800 If a consumer has been: Denied Credit Given credit at high interest rate Turned down for employment Planning to start job hunting On Public Aid Victim of ID Theft Consumers can get free credit reports. If you are not sure, you can just call in the numbers and select option for having been denied credit, the credit reporting agency will check your inquiries and instantly send you free copy if anyone has pulled in 30 days - no matter if it resulted in adverse action.