Free Credit Report
You Can Always Get Your Report
However, you cannot order a copy from credit bureaus by phone. There is no way to ensure that you are the one calling, obviously. Your credit history contains private information that should only be reported to those businesses having a "legitimate business need."
Getting a Free Credit Report
Under law, you also have the right to a free credit report under certain circumstances. If you are unemployed, and intend to apply for employment within 60 days, you may obtain a free copy. Other situations include being on welfare, or having reason to believe your file contains inaccurate information due to fraud. Most common, perhaps, is the right to a copy if any adverse action has been taken against you within the last 60 days. This includes denial of credit, employment, or insurance.