Written by Marie DeCaprio MBA, CFA, CFP® | 18 October 2011

Today I decided to take a look at my credit score and credit report.  I know the report is free at www.annualcreditreport.com and I knew I would have to pay for the score.  I have read that you are supposed to go to www.myfico.com to get the score so I went there first.  I paid $19.95 for my score from Equifax.  I could have also paid another $19.95 for my score from Transamerica but I figured one would be enough.  OK so my score is pretty darn good if I must say so myself.  Then I go to get the report. I can choose to get the report from all the companies or choose one of the three.  I am allowed one free report per company per year so I decide on Equifax again.  I download my free report and then I am offered to buy my credit score from Equifax for $7.95!!!!  My advice is, check your credit report every now and then and your credit score and get your score with the free report.  I don't think the score would have been different had I only paid $7.95 instead of $19.95.  Words for the wise.