[cbhl]

Each of the credit reporting agencies has a process for requesting your credit report by snail mail. The form is hidden away on the various websites, but it has generally worked for me when the online form didn't work (it turns out another person's delinquent loans and CCs were in the report that they were using to test that it was me).

Not as free, since you need to buy envelopes / print the forms / photocopy your ID / get stamps / wait X weeks, but as free as it gets when the online system doesn't work.