$29.95 a month is a hefty price to pay for something you can spend a few minutes doing yourself. You can order your reports and get your true Fico score at Myfico.com. You may not even be getting a FICO score, the one lenders use, at freescore.com.The only reason you would want to consider this is if you've been a victim of fraud. If you have been a victim of fraud you can have fraud alerts added to your reports for free.