Answer: -Just go to their website, which is www.equifax.com and either do it there, or call their 800 number and they will mail you a copy. However, you usually have to give a credit card and sign up for a trial of something, etc to get a "free" credit report. So make sure you cancel yourself out of whatever it will automatically sign you up for, or else you'll see yourself billed in a few months time. -You can either call them and they will send you forms to fill out and send back and then they will send you a copy of your credit report or you can fill out the forms and pay a fee on line and they will send you a copy of your credit report. -Yes, its actually a valid service. But like most advertising it is a little misleading. You can get a free credit score IF you sign up for their credit monitoring service for a period of 6 months@$14 a month. However, they will give you a free credit report, which will give you a fairly comprehensive view of your credit, and what creditors see. It will not give you your credit score. If you are interested, you can pay about 7 dollars and just get the credit score on a one time basis.