Internet's first get-out-of-debt community - 123,000 members

I was of the opinion that credit reports are only important to those who take loans .But after going through your site map I came to know that even for employment purposes the employer does pull out your credit report. This was really news to me.

Hey why should I pay for getting a credit report? I guess we can get ours free of cost only a request need be sent. Why are you people charging for these?