The credit reports that you get by calling in or mail for are better in design and information than the ones you can download from a website. We recommend calling to get your credit reports instead of doing it online because the credit reports are better, and some credit bureaus only give a credit report if you agree not to sue them in court. The Consumer Financial Protection Bureau has a list of all consumer reporting agencies. Below is a list of many of those agencies and how you can get a copy.