Most credit reports costs a minimum of $10.50 depending on where you purchase from. That's more than $30 for three credit reports at a time.
We're all entitled to a free annual credit report each year from AnnualCreditReport.com, but certain states have laws that grant an additional free credit report each year. Other states have laws that discount credit reports. For example, credit reports cost $3 in Minnesota.
Check out the list to see if your state has laws for free or discounted credit reports. If your state is on the list, make sure you use the credit bureau links at the bottom of the list to order your credit reports. Otherwise, you could end up paying full price for your credit report.
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One thing I don’t understand; why can we get a free annual credit report from each of the three large credit bureaus (Equifax, Experian, TransUnion), but not a free credit score from each?
It makes no sense, unless the government did it on purpose to leave a nice product for the bureaus to sell.
Of course, many look at their credit reports more than once a year, so there is still money for them to make there.
I don’t get it.