If you go to the Equifax website through ebates you can earn a 6% rebate for it. If you don't have an account at ebates I can get $5 for referring you at www.ebates.com/affiliate_landing.jsp?promotion_code=REF1&eeid=138 40&banner=9710&[email protected]&refpageid= 1

(Of course, I have no doubt that if you searched "ebates" in the SPAM forum you'd find a conga line too.)

I did the service where I got 6 reports for $39.99. (I don't know if this package is still offered.) I didn't notice a huge impact when I opened a new Southwest Visa. Of course, the younger you are the more it could impact you too. I think alot has to do with how much of a balance you cycle too. I thought the site was helpful.