You are entitled to one free annual credit report from each of the three major credit bureaus every year. (myfinancekits.com)
Apart from the fact that you are not paying anything to get free annual credit report, the main advantage is that, it is considered a soft report. (myfinancekits.com)
You don't need to apply for free annual credit report directly from the three consumer reporting agencies mentioned. (myfinancekits.com)