Because the cost at the margin for pulling credit reports is so low and because banks will periodically pull for customers anyhow, some banks are starting to of

Because the cost at the margin for pulling credit reports is so low and because banks will periodically pull for customers anyhow, some banks are starting to offer it as a perk to customers. Capital One and American Express both have reasonably good experiences here. (No CC required at Capital One; you can get it with their deposit accounts only, which have no minimums.) This very literally results in your FICO score being on your dashboard with an option to click through and see what changed. People should not generally pay for credit monitoring, for the same reason that one would not pay monthly to subscribe to tests to a disease one is not at risk for. Various errors will cause you stress for no reason. (You can get a full credit report 3X yearly by going to annualcreditreport.com ; this is probably overkill for most people who are not actively attempting to improve credit in advance of e.g. a mortgage application or because of catastrophic errors.)