The Free Credit Analyzer is a tool that helps people analyzed their credit based on the star-system, with 5-star being the most desirable and 1-star being the highest risk. The cost is Free for this service.
The Online Credit Report can be viewed online in real-time (30 seconds). It contains information pulled from Experian. The cost is only $8.
The Merged Report contains information from all three credit bureaus; Experian, Trans Union and Equifax. Report is delivered by regular mail. The cost is only $29.95 including shipping.
The Monitoring Service includes a FREE copy of your Three-Bureau Merged Report by regular mail AND you will get quarterly reports of new activity on your credit report to guard against fraud and detect inaccuracies. The cost for this annual monitoring service is only $49.95.