The free report is the list of entries they have on your name. Based on that they calculate scores and risks, but you don’t have access to those numbers unless

The free report is the list of entries they have on your name. Based on that they calculate scores and risks, but you don’t have access to those numbers unless you pay. They did buy an app last year called Bonify that allows you to see your credit score for free. There was a hilarious scandal last year as a security expert was able to get some high politicians credit score through the app and they shut the app down for a few days so this doesn’t get exploited