You have probably seen their ads on TV, but the credit report is anything but free, and I do not know how they get away with. Basically, they will give you your credit report, but only after you sign up for their "credit protection" service, which costs 14.95 a month. You cannot get your credit score unless you enter your credit card info. Canceling the subscription is seemingly impossible. So, um, no. By free credit report, they actually mean not a free credit report.