This isn't the case. You get signed up for these credit services when anyone makes reports about you to them. This can be, for example, your landlord. Paying

This isn't the case. You get signed up for these credit services when anyone makes reports about you to them. This can be, for example, your landlord. Paying rent does not indeed affect a credit score, but credit scores are separate products from credit reports. You have a right to your credit report annually, but you have no right to know your FICO (or other such) credit score; they're proprietary products. Basically, these companies will build profiles on anyone whose information gets reported to them, even if those profiles do not include a credit score.