Totally Free Credit Report
Since it was the United States government that established the Fair Credit Reporting Act that entitles consumers to a free credit report once a year, many people look at it as if it is a totally free credit report (free annual credit report from government) Actually, the government is only responsible for mandating that it is the right of consumers to know what is on that report but they are not the ones who provide it.
Of course if you are really sincere in seeking a totally free credit report (free annual credit report from government) then it is imperative to contact only reputable credit repair or credit monitoring websites. Be careful that there is not some hidden catch since there are only a handful of sites that are trustworthy. However, if you do find that your report has some issues keeping you with a low credit score you can then begin the task of repairing your creditworthiness.