I think one of the hardest things to explain to people is what credit is and why you should listen to my advice. Because EVERYONE is going to tell you they know how credit bureaus work and how many points your gonna boost your score if you do this and that blah blah ....If you want your free report go to Annualcreditreport but even though a good majority of your loans, mortgages, credit cards etc. will be on this report, your not going to find out your FICO score or get to view all of your reports from all three bureaus Equifax Transunion and Experian. You will only get to choose one