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The site is designed to give every US resident free and easy access to their credit report from all 3 agencies, once every 12 months, from a central source.
When I found Meet Bang, I wasn't expecting much, but within 15 minutes of signing up, a girl messaged me back.
You can either view all reports at once, or you can stagger them over a period of 12 months, then start the process over again at that point.
I personally like to view all three at one time so I can compare them, but many people prefer to access just one every 4 months so they feel like they are keeping a closer eye on their credit. For more specific info on this topic, read my full review of Annual Credit While accessing your credit reports is completely free at – your credit scores are not included with the annual credit report offer, and will cost extra from each of the “big 3” reporting companies.
You won’t be charged any up front fees, you will only be charged a small monthly free (such as .99/month), if you don’t cancel the credit monitoring service before your free trial is up.
If you don’t like the service they provide, just call and cancel it.