Annualcreditreport.com is website that was set up to give consumers access to their credit reports once annually for free under fair credit reporting act (FACTA was the specific amendment). Due to COVID-19 it’s now possible to get a copy of your credit report for free weekly until April 2021. The fact that Equifax, Experian and TransUnion can do this in the first place indicates this should be standard rather than a special exemption due to COVID-19. Keep in mind that if you dispute an item listed they have 45 days to respond, instead of the standard 30 days when a report was obtained through annualcreditreport.
Hat tip to reader Matt I