Since March 1, 2005, residents of Ohio have been able to get their credit report for free. West Virginia residents have had access to their report for free, since September 1, 2005. 

A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation's consumer reporting companies. The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the FCRA with respect to consumer reporting companies. 

The FTC has authorized a website where you can make your requests at www.annualcreditreport.com.  You can also request your report(s) via toll free number at (877) 322-8228, or you can make a request via mail at:
     Annual Credit Report Request Service
     P.O. Box 105281
     Atlanta, GA 30348-5281

If you would like more information, visit the Federal Trade Commission website.