Question: I'm trying to get the free copy of my credit report the law allows. The company I contacted told me the report is free, but I have to pay for a monthly service.
Answer: Some companies offer credit services and have the word "free" in their names. These businesses are not required to provide free credit reports.
There are only two ways to get your free credit report. You can call 1-877-322-8228 or go to www.annualcredit report.com. Only the report is free. The law does not require the credit bureaus to provide free credit scores.