[VF-51vnv]

would not do not do it Bob. yes you need them to get your credit card to see all of your scores. Real hard to remove yourself from their account once you establish one. Every time you access your account,points are deducted from your credit score because THEY are providing you a Service.The more you use it the more points are deducted. You can receive a YEARLY free report,but you have to request it from the credit reporting companies directly.

[justlurking]

Every time you access your account,points are deducted from your credit score because THEY are providing you a Service.

This is not true. Your access to your credit report or credit score does not affect your score.

There are different types of credit report inquires. The only one that "counts" is one that is made for the purpose of granting you new credit.

Existing creditors usually do periodic reviews. Those are different types of inquiries, which don't affect your credit score -- unless they screw up and designate the wrong type of inquiry.

Credit inquiries made for the purposes of a job application may affect your score, depending on how it is coded. Credit inquires made by the US goverment "Office of Personnel Management", or OPM, do count against your credit score -- even though they shouldn't.

I'll leave the reason for an OPM inquiry as an exercise for the reader. I'm sure that some of you know why.