Where can I reliably get all three credit reports?

[vague]

Howdy DDF,

(longtime lurker, first time poster)

Simple question (heh): Is there anywhere that I can pay a nominal (<$50/month) fee to receive all three credit reports + score in entirety, on a regular basis?

I’ve been using CreditKarma going back to June of 2011, but every other place I’ve tried and/or paid for (TransUnion, CreditSecure, Experian, bla, bla, bla) usually has some annoying limitation on the information or frequency of retrieval of that information.

What I want:
* The ability to pull my full, raw credit report, from all three agencies, at least once a month, but preferably twice a month.
* Scores included. (‘real’ FICO would be a bonus, but not required — the agency numbers are usually good enough for me, I just want to see all of them)
* ‘monitoring’ is nice too, but I don’t need monitoring, I want to read the raw report.

I’m open to any and all suggestions.

—v

[raphy781]

I think Equifax offers a service like that if you want to pay for it.

[vague]

I think Equifax offers a service like that if you want to pay for it.

I wrote Experian in my post (and I’ve tried their offering too), but I meant Equifax. I’ve tried theirs too. It doesn’t do all three. :/

[pbarnes]

AMEX CreditSecure offers unlimited daily 3 bureau pulls for $24.95. They also offer 2x pulls every month for $14.95. This is easily the best service available.

The exact same product is offered as USAA CCMP (CreditCheck Monitoring Premium) for about the same cost, but if you go to cancel they'll halve it for 6 months.

You don't need to pay for unlimited pulls to get alerts.

[Shmulyg]

Citi Credit Monitor (keep churning and only pay $1 every month and a half), bundled with Credit Sesame and Credit Karma should serve you well.