 In order to obtain a free credit report, users are not required to give a credit card number but establishing an account is required by some of the agencies.Any inaccuracies or signs of identity theft may be dealt with using the mechanisms provided for under the FCRA and FACTA.Over a two-year period from December 2004 to December 2006, 52 million credit reports were issued to consumers through AnnualCreditReport.com.