Originally Posted by
skywalkerLAX
These 'free reports' only provide you with the actual data stored about you incl (I believe) the payment history.
You do not obtain the actual score as it would be provided by Experian etc. To get that you have to pay at least once (at least that's how it was last time i did it about a year ago). You could also ask your banker to do a soft pull but that might not be a wise idea.
it gives you an option to pay one of the three credit bureaus a couple bucks for your actual score, as mentioned. One would need to choose which was the most appropriate.