The Federal Trade Commission requires that all businesses place this at the top of their site:
“You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law.” – therefore you can use this site to pull all three reports absolutely free! You have the right as a consumer to access your credit reports. You may also send snail mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348 if you would prefer.
Credit monitoring services are usually the best route to retrieving your credit reports and scores. Typically you will have to purchase your scores separately if you utilize AnnualCreditReport.com. Some sites will claim that they are free, but usually require you enroll in some product or service. I recommend using a monitoring service because you can see updates monthly or quarterly. Also you receive alerts when your credit updates which is very important when repairing your credit.
Also here is the Fair Credit Reporting Act link from the Federal Trade Commission website: http://www.ftc.gov/os/statutes/031224fcra.pdf it has depth to it.