Subscription services like Equifax Premier or Experian CreditWorks offer ongoing three-bureau monitoring for a monthly fee. 1. Where to Buy vs. Get Free AnnualCreditReport.com Reports Only Free Routine accuracy checks Experian 3-Bureau Report + FICO $39.99 (one-time) Seeing your FICO 8 scores myFICO 3-Bureau Report + 40 FICO versions $29.95/mo (sub) Mortgage/Auto loan prep Equifax 3-Bureau Report + VantageScore $19.95/mo (sub) Identity theft protection 2. Why People "Buy" (The Benefits)

Consider buying a "tri-merge" FICO report from myFICO to see the specific scores lenders use.

While reports are free, people pay for these specific features not found on the free government-mandated site: