Thanks for sharing your experience regarding freecreditreport.com. Guess what??? I was about to use it in order to check out my credit scores. However, after reading your experience, I decided not to go for it.
You can get a free credit report annually from annualcreditreport.com. As far as I know you'll receive correct credit score reporting from there. This will help you know where you stand in terms of credit and whether or not you can get a loan.