text: can i really obtain my credit report for free? if so, where do i go to do that? thanks for your help. you are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies through the central source. it is entirely your choice whether you order all three credit file disclosures at the same time or order one now and others later. the advantage of ordering all three at the same time is that you can compare them. (however, you will not be eligible for another free credit file disclosure from the central source for 12 months.) on the other hand, the advantage of ordering one now and others later (for example, one credit file disclosure every four months) is that you can keep track of any changes or new information that may appear on your credit file disclosure. remember, you are entitled to receive one free credit file disclosure through the central source every 12 months from each of the nationwide consumer credit reporting companies – equifax, experian and transunion – so if you order from only one company today you can still order from the other two companies at a later date    www.equifax.com   www.experian.com/fraud   www.transunion.com