>> Well... a disadvantage of using a combined service is that it will cost you more. By what I've seen, they charge over $35 for their "service." <<I agree. No point paying someone for what we can easily do ourselves.>> Getting the individual reports cost $8/each maximum (cheaper or free in some states). <<If you request your credit report after being denied credit based on their contents, then the report is _always_ free. You're also entitled to a free copy of the corrected report.Even if you haven't been denied credit, $8 is a worthwhile investment considering how frequently erroneous information shows up (as I learned when applying for mortgage!!)--Mike
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