First, if you want a truly free credit report, see this from the FTC, you'll only get the report, no FICO.
There is a lot of good score fixing info in this thread, sometimes time and on time payments are all that will help. If you don't even have a card, and if your credit is trash, consider a secured one where they keep your money as collateral (paying interest). Over time this will reestablish
Forum:
Off-Topic