If you are in need of loan or some such financial arrangement then the first thing the lender or the financial institution may ask you is a credit report. Now, this is the reason why it is necessary that you arrange for the required documentation 6 months prior. But any way, if you urgently need a credit report then you can surf the net and find out websites who assist you in getting a free credit report. However, it is vital that you find a reputed website because there are many scammers these days’ who promise you to make available your free credit report, but in return ask for your personal information like bank details and credit card details and use it for their evil intentions. May be you won’t even know that you are looted. So, before you finally decide on applying for a free credit report think twice and take advice of your friends who have gone through this process. It is better to pay a few dollars than get looted completely. Sometimes free things may have a big cost that you will have to pay. So be cautious as far as such financial matters are concerned.