Answer: -Did you know that you can usually find a local credit beaurea office in most medium and larger towns and cities. Check your phone book and look them up. IF not, contact each of the three credit beaureaus directly. Each of them has a 1-800 phone number and a fax number. You can arrange with them to E-mail, fax or snail mail it to you. These are the safest ways to get your information and keep prying eyes out or your business. The online companies that you can use will keep a copy of your credit report. Once they have it, you have NO WAY OF KNOWING what they do with your information. IF you read the FINE PRINT of their privacy statements, you will usually find that you give them the right to review it and share it with their associates. YOU WILL NEVER, EVER know who their associates (third parties) are and will not be able to control access to your report once they have it in hand. -The easiest way to get a free credit report is to sign up for a new credit card! Sign up for a card that you know you will get turned down for, or ask for a limit increase you know you won't get. The issuer will deny you, but, they are required by law to tell you that you've been denied and that you are entitled to a copy of the credit report they used to determine your status. Send them a response telling them you want that free copy, and there you go!