The FACT Act entitles you to a free credit report from each of the major bureaus once a year. The website is http://www.annualcreditreport.com . This site is free and will not request a credit/debit card unless you want your credit scores also. Credit scores are not free. To access it instantly online you will need to be able to answer at least three questions based on info in the report to verify your identity. They are multiple choice questions usually related to previous addresses, companies you’ve done business with, former employers etc. Each bureau will ask these questions because the info in each report may vary. If you can’t verify identity, you will have to provide ID then wait for reports to be mailed. This credit pull is also a soft hit that will not adversely affect your scores.