The Fair Credit Reporting Act (FCRA) mandates that consumers are allowed to review their credit report for free every 12 months. This rule covers all consumer reports, to include specialty reports  like insurance and check writing. Until the FCRA mandate, you had to pay to see your report!
Initially there is a rollout period so that the three credit unions don’t get clobbered all at once but by now everyone can get a free credit report at AnnualCreditReport.com .
Where To Request Free Credit Report
Here is where you can go to request your free credit report:
Website: annualcreditreport.com 
Address: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
If you’ve never requested your credit report before, I suggest you go through the clearinghouse they’ve setup because you want to check them all for inaccuracies and errors. If you’ve requested them before and fixed all the errors, I would stagger the requests from each of the 3 agencies and get one every 4 or 5 months.
Usually when something appears, it’ll appear on all three reports. By staggering your requests, you get three reports a year at three different points in time so you can essentially get 3 free reports a year. While not foolproof, this is a good way to take advantage of the freebie.
Contact Information for Each Agency:
Phone: 888-EXPERIAN (888-397-3742)
As an FYI, residents of Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already get free reports and won’t need to wait for the mandate to be active in their areas.