There are two ways to obtain a credit report. One is to order it. You are entitled to get one free credit report. Go to annualcreditreport.com and the government will provide you with a free credit report from Trans Union, Experian and Equifax. The second way is when you dispute an item on your credit report. When the 30 days the credit bureau has to investigate your dispute is up, they will send you a free credit report showing you that the matter has been deleted or confirmed.