First off you guys are stupid to begin with! Do you know if there is little water in a jar it makes a lot of noise? (i'm sori that I am rude) but i simply couldnt help it. Let me put this one up in fine print, "IF YOU ARE BUYING OR RUNNING INTO SOMETHING NEW DO SOME RESEARCH!!!!!!" If you want a free credit report according to the law, you will have access to you credit reports from three major companies Equifax, Experian and transunion once every year. If i were you and want to stay on top of my credit i would pull each report every 4 months not all at the same time. Are you getting it? However if you want to get the score you would have to pay one time fee of $7 approximately (varies between companies) . Still you are hungry for more credit reports and score then buy it for a year from any of these bureaus for one time flat fee. I bought it couple of years ago then it was $120 for a year from equifax. It could check my credit like my email and get score as much as i would ( but i didnt do it coz it would notify me of any changes automatically). We as a nepali like to hear about anything that are free. Without even reading the fine prints if we see something labeled "FREE" we jump. Wake up!!! This is not nepal here you are laible for each of your deeds. And everything is disclosed rite up front. So be aware and responsible and do some reasearch before getting yourself into something. Peace out.