There is only one official site where you can get your credit report for free. The site is annualcreditreport.com. There are many other phony sites out there that claim they offer free reports, but it is not true. Instead they charge you a fee for various services. One of these phony sites - freecreditreport.com - is actually owned by Experian, one of the credit bureaus. Some states, including Florida, are so fed up with the deception that they are suing the bogus site. None of the advertisements you see are legitimate. Clark knows this because the only real site doesn’t advertise. So, remember, annualcreditreport.com is the only site you need.