You can order your free government-recognized credit report from annualcreditreport.com, by calling 1-877-322-8228, or by mailing the completed Annual Credit Report Request Form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. All you need to provide is your Name, Current Address (Previous Address if you have moved in the last two years), Social Security Number, and Date of Birth. While the credit score is a one-shot view of your creditworthiness, it is advisable to cross-check the reasons behind it from your credit report from time to time.