I don’t understand why there are so many companies out there that are offering this service. I guess it makes sense because when economic times are tough more people have credit issues and need to keep on top of their scores if they hope to get any kind of loan. But when it comes to ordering free instant credit reports online even I was a bit shocked at how many options people have. If these things are so easy to get why do so many people seem to be so confused about the best route to take when they need to get this done?