Obtaining a "really free" credit report depends on using the official channel mandated by federal law, rather than commercial sites that may offer "free" reports in exchange for paid memberships or credit card information. The Official Source
It is important to distinguish between a credit report and a credit score : really free credit report
Since this is a federally mandated service, you do not need to provide a credit card number to access your reports. Authorized Access Methods: Online: Visit AnnualCreditReport.com. Phone: Call 1-877-322-8228 . Obtaining a "really free" credit report depends on