Residents of Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont can get an ADDITIONAL free annual report. Some other states offer a reduced rate. See the table at
http://www.bankrate.com/brm/news/cc/20010223c.asp.
If you buy a credit score anywhere other than at
Equifax or
FICO or pay less than $15.95, you are almost certainly not buying a FICO score. TransUnion and Experian sell "FAKO" scores.