You can now order one FREE copy of your credit report each year from the three credit bureaus at Annual Credit Report.com However, this site does not send you your credit score unless you order it, for a fee.

We feel so strongly about supplying our clients with the resources to manage and maintain their credit from this day forward that we refer them to www.privacyguard.com, a credit watch site that allows consumers to pull their three scores and three reports every 30 days. The cost is minimal; $1.00 for the first two months, and $12.99 per month thereafter. The membership is can be cancelled at anytime. Click Here for instructions on how to sign up.

It's up to you, you have many options, and following are more links for your referrence:

Fair Credit Reporting Act (FCRA) is intended to ensure the accuracy and fairness of the credit reporting system.

The Equal Credit Opportunity Act (ECOA) prohibits discrimination in credit transactions for a variety of factors (including race, color, sex and religion), also makes it illegal to discriminate against you because you have exercised your rights under the FCRA.

The Fair Credit Billing Act which establishes procedures for correcting errors on credit cards and similar accounts.

The Fair Debt Collection Practices Act (FDCPA) which establishes procedures for correcting errors on credit cards and similar accounts.