The Fair Credit Reporting Act (FCRA) requires each of the three nationwide consumer reporting companies – Equifax, Experian, and TransUnion to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nations consumer protection agency, enforces the FCRA with respect to consumer reporting companies. Visit http://www.annualcreditreport.com online to request. Please note that your credit reports are free but if you want to know your credit score there is an additional charge per bureau. If you want to know your score we recommend you use a paid service since the cost is equal and it is easier to obtain and understand plus then you reserve your free report rights for another time.
To Request your Credit Report by Phone:
Call 1-877-322-8228
You will go through a simple verification process over the phone.
Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery online – http://www.annualcreditreport.com

Under the Fair Credit Reporting Act (FCRA), you may be entitled to receive a free copy of your personal credit report if you have received notice within the past 60 days that you have been declined credit, employment or housing, or if adverse action has been taken against you based on information contained on your credit report.
Experian – http://www.experian.com
Mail request to: P.O. Box 2002, Allen, TX 75013
Or call toll-free (888) Experian (888-397-3742)

Equifax – http://www.equifax.com
Mail request to: Equifax Information Services, Disclosure Dept.,
P.O. Box 740241, Atlanta, GA 30374
Or call toll-free (800) 685-1111

TransUnion – http://www.transunion.com
Mail request to: 2 Baldwin Place, P.O. Box 2000, Chester, PA 19022
Or call toll-free (800) 888-4213
References :
http://pimpyourcreditscore.com/Your_Credit_Report.html