The three nationwide consumer credit reporting agencies (Equifax, Experian and TransUnion) have set up one central service through which you can order your Free Annual Reports. You are eligible for one free credit report per year. If youre not eligible for free reports, the cost to purchase one is $1 if you use creditchecktotal.com which is owned by Experian and has a 7 day trial before charging you $30 dollars a month.