You can go to fleet and family services to get some help to obtain a credit report. I have made the process simple by listing some websites that i go to that do no require you to have a credit card. They are free credit reports, no payment needed.
The Federal Trade Commission states that "Annual Credit Report.com is the ONLY authorized source for the free annual credit report that's yours by law. The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies — Experian, Equifax, and TransUnion — every 12 months."
I have used a variety of sites and have had good outcomes. My credit report and credit score was pretty accurate. I wont say that the credit score was 100% correct because every website is slightly different. Even when you go directly to the credit bureaus you will get a different score from all three credit bureaus.
Here are the websites that I have used and I recommend each website.
Be sure to follow my blog so you can stay updated and informed!