The financial world is one that many people do not readily understand. The idea of their credit report seems likes a way to brand people as either good or bad. In a way, these people are not wrong. An individual's financial history is a brand in a manner of speaking. People with a solid and reliable history of repaying debts are considered more worthy of interacting with on a business basis. On the other side of that spectrum, people with poor repayment histories are considered terrible risks when it comes to many financial interactions. Anything from employment to financing a home purchase can be based entirely on an individual's credit rating.
One of the first steps an individual must do to determine their financial history is to receive their credit report and scores. In the past this was an endeavor that meant long lines waiting at a bank or other financial institution. There was forced interaction and direct knowledge that another individual was viewing your information and making judgments about you without really having the right to do so. A credit report is not a private matter. It is there for public consumption. However, when people view another individual's report needlessly there is often a bit of drama involved. At the very least it is an annoyance for many people.
In the modern era, however, there is neither the need for waiting in a long bank line nor the issue of dealing with some random individual looking over your records before handing them to you. The entire process can be done online. It is a nigh-instant process that only requires the individual to pay for the service. Thankfully, payment is not always necessary. The federal government has ruled that once per calendar year all credit services must grant every citizen the right to view their information for free.
Outside of this yearly viewing there are also many credit agencies in the world that offer online support. These agencies will allow an individual to review their report and scores via their site. This usually costs a varying amount of money per month. However, most legitimate companies will utilize something known as a 'free trial period'. A free trial period can be anything from one day, a certain number of views, or even up to a month free. It all depends on the company. With trial offers like this the individual can view their report and decide on a course of action.