You are able to get one free report, per year, from the three national companies (Equifax, Experian, and Transunion). If you are not able to get this free report, it will cost you 10$. You can order these reports online at annualcreditreport.com , over the phone at 877-322-8228, or by mail. The only problem with this is that these reports do show your credit history but do not contain your score. For that reason, it is recommended from us, that you should order your reports through credit monitoring, for a monthly payment of $1. With this, you will be able to see your report change as the disputes clear, and you're more then welcome to even cancel after the first month of receiving your report. With credit monitoring, you have instant access to all three reports, which is important for dispute process. If you do not wish to keep the service with the low payment of $1 per month, you will only miss out on monitoring it every month.