Every year you are able to get a free copy of your credit report from each of the credit reporting agencies. You are also able to get a free credit report each time your apply for credit and are rejected. You just contact the reporting agency either by phone, mail, or online and submit your information to receive your free report. If you contact them by phone or by mail they will mail your report to you. If you submit your information online, you will have instant access once your verify your identity.