text: how can i get my credit report on line? i thought you can get 1 done free a year is that true? it was to my understanding that you can get one free credit report a year. how do i go about this, and can i possibly do it on line? if not, does anyone have their address for trw or equifax ect.? http://www.annualcreditreport.com  the federal fair credit reporting act (fcra) requires that u.s. consumers be entitled to a free credit report each year. the government’s goal is to make sure that consumers stay informed, fight identity theft, and get fair treatment.   this is the government mandated website where you can get 1 free credit report from the 3 agencies for free in one year. totally free and won't even ask for your credit card